Public Liability & Professional Indemnity insurance

[tonymite]

I dunno if this has been covered elsewhere on this forum ... butsss ermmm...

How do you guys cover your asses against the obvious and not so obvious??


Terms & conditions ( is this enough ) ??

Contracts ( are verbal agreements enough - or does it need to be written .. and are there standard contracts I can download ) ???

Public Liability

Professional Indemnity ( would there be any use for this ) ??

I do location recording - hence public liability ...

but what about mentioning " tape baking " and someone goes and sprinkles some poppy seeds on their BASF?

[tonymite]

no one touching this one??

[tonymite]

sorry ... for those of you who aren't running tonymite decoders :

say ... I'm doing location recording and I forgot to hit record ... or my sync drops in cubase ...

or ... Harry brings his tape archive and my tape player chews up his childhood ...

or ... my trusty segate hard drive decides to crap out ...


or ... little georgiee gets his filthy hands on my hard drive and leaks an un-mastered version of the JIMAK ALL STARS all over the internet ...

or JIMAK and his ALL STARS are ripping of someone else ... ie : copyright ...


Can a simple " terms & conditions " clause do the trick ??


or... ???

[tonymite]

wasn't there a 1 size fits all Turtlerock Forum members contract written by an anonymous lawyer floating about ??

[Sheer Noise]

In both my audio and photography businesses, I have paid my lawyer to include all "likely" hassles in the contract each client signs saying that I'm not liable... then I pay an annual insurance fee to make sure I have $20million up my sleeve if anyone decides to challenge said contract. Pretty straight forward... never needed to use it, but nice to know it's there. I have a further $20million cover if said contract challenger decides to break his neck leaving my studio in a huff.... again, never happened, but better to factor a little bit of insurance into each job than to be left high and dry.

Dave