What does liability mean for an ICT freelancer?
Everyone makes mistakes. If you cause damage in your private life, your family insurance will usually cover it. Being careless during work hours can also lead to damage. As an ICT professional, your client – or your client’s client – can seek compensation. With the right insurance, you can ensure that you don’t end up covering these yourself.
- Most mistakes ICT professionals make are of an intellectual nature, such as software bugs. When intellectual errors lead to financial loss, we speak of professional liability.
- However, sometimes the cause is a small blunder, for example you let a server slip out of your hands or you knock over a glass of water. In these cases you need a classic civil liability insurance.
Our insurance covers you against both intellectual errors and clumsy accidents.
As an independent expert, you often find yourself in a 'David versus Goliath' client relationship. The client usually obligates you contractually and unilaterally to have insurance. Take the time to check this in your own cooperation agreement.
If this is the case, a lack of insurance means you are violating the terms of your contract.