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Thread ID: 94150	2008-10-16 17:55:00	Liability insurance	somebody (208)	PC World Chat

Post ID	Timestamp	Content	User
712649	2008-10-16 17:55:00	For those of you running your own business, who do you use for liability insurance, and what sort of price range is it usually in?	somebody (208)
712650	2008-10-16 20:26:00	My broker arranged it. There seemed to be 2 main ones and State sucked. Its a big con anyway, the almost never pay out on it, because you are considered to have not performed your duties in a "professional manner".	pctek (84)
712651	2008-10-16 20:34:00	My broker arranged it. There seemed to be 2 main ones and State sucked. Its a big con anyway, the almost never pay out on it, because you are considered to have not performed your duties in a "professional manner". Thanks pctek.	somebody (208)
712652	2008-10-17 04:16:00	I have 2 million dollars cover provided by AMP Most of the corporates that I deal with, won't let you on site unless you have this sort of cover I think it cost me about $400 per annum. Cheers HH	Happy Harry (321)
712653	2008-10-17 19:49:00	It depends on what you mean by Liability Insurance. There are two types, Public Liability or Professional Laiability. Public Liability is to cover mishaps that you cause to third party property as long as you haven't been working on the item, ie. a foot through a ceiling. Professional Negligence is for damage done by offering incorrect advice that causes a pecuniary loss to a third party.	Bryan (147)
712654	2008-10-17 20:21:00	Thanks guys. I was more concerned about Public Liability insurance, as I probably won't be offering much (if any) advice for this particular contract. I have been advised that professional indemnity insurance is probably not necessary for the sort of work I'll be doing. Harry: The number you've mentioned is fairly close to what I've been quoted - is that for just public liability, or both?	somebody (208)
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