GISコンサルタントのエラー＆オミッション／専門職賠償責任保険？

Question

皆さん、こんにちは、

GISコンサルタントの方々にお聞きしますが、エラー＆オミッション／専門職賠償責任保険にはどの保険会社を利用していますか？私は地元の保険代理店と協力して保険を取得し、コンサルティングを行いたいと考えていますが、申請はすべての会社で却下され、唯一見積もりが返ってきた会社は年間2,217ドルで高額に感じます。代理店によると、引受人は「誰もが社内でGIS作業を行う能力があるため、私のサービスは必要ない」と言って申請を却下したそうです。ハハ！ 🙂

ご提供いただける情報に事前に感謝いたします。

Courtney360 · Answer

Thanks everyone for your input. I am going through a different agent now and we'll see what he comes up with. I will post the results once I have them as I feel this info will be relevant to someone in the future. Thanks again.

ThomasHoman · Answer

Hi @Courtney360

It's amazing how little others know about us so I am not surprised at your response. Kudos for reaching out and looking to position yourself as a professional. The hard part of the underwriters is that GIS is truly an umbrella type of platform - it touches any and everything that has any spatial relevance and therein is the problem. An error in a watershed analysis is of different magnitude than an Indoors project where a wall is placed wrong.

While I cannot offer you the name of an agent, my suggestion would be to reach out to other fields that are close to the field where you intend to work. If you are going to do outdoor work involving contour generation you might try and connect with independent land surveyors. If you are doing indoor work maybe look for a solo architect.

In the end, the insurance coverage is going to come down to their perceived risk for the product(s) you create so you need to help the insurers understand where market similarities are relevant. $200 per month might not be bad at all since you have nothing to compare it to.

Respectfully,

Tom

BrandonA_CDPH · Answer

@Courtney360 - First of all, if "everyone has the capability", why are there so many companies looking for GIS consultants? 😄But, besides that...

My wife is a handmade goods artist. Not sure if it provides the kind of coverage you need, but she uses ACT (Artist and Craft Show Liability Insurance | ACT Insurance). They have really reasonable rates for general liability insurance for "makers" (and, if you ever want to produce map art and show it - they provide additional insureds for shows).

I have a gov job right now but have been exploring the consulting field. I am curious to hear more about what others,like yourself, have found in the insurance space.