[plug] [OT] Insurance recommendations

[Bret Busby]

On Thu, 12 Aug 2004, Daniel Pearson wrote:

> 
> You'd probably be wanting to consider Public Liability insurance, too -
> especially if you're out and about doing onsite tech support. In that regard
> also, you may also need a Motor Vehicle Policy as well.
> 
> Cheers,
> Daniel
> 
> ----- Original Message ----- 
> From: "skribe" <skribe at amber.com.au>
> To: <plug at plug.linux.org.au>
> Sent: Wednesday, August 11, 2004 5:56 PM
> Subject: Re: [plug] [OT] Insurance recommendations
> 
> 
> On Wed, 11 Aug 2004 17:46, Alex Polglaze wrote:
> 
> > I have been running a home based business for 20 years next month, (bow
> > clap, throw flowers etc.), and have always had separate policies. No
> > insurance that I know of will cover a business under a household policy
> and
> > for tax reasons, it is better to have separate policies anyway.
> 
> Separate policies but same company.  The business needs to be declared in
> the
> H&C policy as well as it affects that rate.
> 
> skribe
> 

A while ago, I contacted CGU for a quote for a home business 
insurance policy. CGU is our home & contents insurer, and was one of a 
number of companies offering business insurance, that I contacted. CGU 
did not make any reference to the need for cross-referencing the 
insurance policies, but required that certain specified security 
measures be taken and documented before applying for a home business 
insurance policy. The measures included deadlocks to all entry doors to 
the building, and locks/security screens to all windows.

A home business policy must, as a matter of course, include public 
indemnity insurance, and, for a computer consultancy, especially. From 
memory, all government departments require any service provider, to have 
public indemnity insurance, before they will consider using them.

As the original query is not included in any of the responses above, I 
suggest to the original poster of the query, that he look for the SLPWA 
public list, subscribe to that list, and also post the query on that 
list. Whilst both lists may have common subscribers, that is a list for 
IT professionals and people interested in becoming IT professionals, 
relating to Linux and open source, and may be a more appropriate place 
to post such a query.

-- 
Bret Busby
Armadale
West Australia
..............

"So once you do know what the question actually is,
 you'll know what the answer means."
- Deep Thought,
  Chapter 28 of 
  "The Hitchhiker's Guide to the Galaxy:
  A Trilogy In Four Parts",
  written by Douglas Adams, 
  published by Pan Books, 1992 
....................................................