Brian,
(at the risk of thread hijack - apologies in advance) I have a different situation. I am an independent software developer. A large state university in another state (on the other side of the country) is planning to place an order with me.
They requested a certificate of insurance. No one from my organization will ever set foot on their campus. Before I could even respond, I got another request from their "risk management" department. They want to be named as co-insured on my general liability policy in the event of software malfunction. I think this is crazy, as I would potentially be liable not only for the application, but for the operating system, computer viruses, hardware errors, etc. So I (politely) blew them off. No one had ever made similar requests before.
Are they as crazy as I think they are?
Thanks for your response.
Roger