Seguro de Erros e Omissões / Responsabilidade Profissional para Consultores GIS?

Question

Olá a todos,

Para os consultores GIS, qual companhia de seguros vocês usam para o seguro de Erros e Omissões / Responsabilidade Profissional? Estou trabalhando com um corretor de seguros local para obter meu seguro para poder atuar como consultor, mas eles disseram que minha aplicação foi recusada por todas as companhias, exceto uma, cuja cotação retornou em R$ 2.217 por ano, o que parece alto. Meu corretor disse que minha aplicação foi recusada porque, segundo os subscritores, "todos têm a capacidade de realizar trabalho GIS internamente, então não há necessidade dos meus serviços." Ha! 🙂

Agradeço antecipadamente por qualquer informação que possam fornecer.

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.