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Getting New Roof - Any Advice
Bulllwinkle 07-03-2006, 9:07 AM | Post #178721 |  34 Replies
1  
i posted this in off topic before. didn't know there was a shop talk forum. bought my townhouse new in 1987. it's time to replace the shingle roof. any advice or horror stories to share?
tony

Originally posted in thread: 1742
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Re: Certificate of Insurance; Liability for Injuries on your premises
Roger from SF 05-02-2008, 7:07 PM | Post #2514090
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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 

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Re: Certificate of Insurance; Liability for Injuries on your premises
hurleyhuckster 05-02-2008, 7:28 PM | Post #2514100
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Hi Roger,

Wow!  They obvious think it a appropriate I guess, then again you never really know, some moron perhaps put his two cents in and hence the request.  They may just let it go or they really know what they require and you may not get contract, I guess you will know soon enough.  I dont really have a good answer for you and am just stating opinion.  I am not sure if providing the certificate or not changes your liability, however, it does prove to them your insured.  You will have to spin your hat around and check with your risk managment dept and decide if this contract is worth it.  Do a little homework perhaps you will learn something new.

Do you hold any kind of liability insurance?

Brian

 

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Re: Certificate of Insurance; Liability for Injuries on your premises
hurleyhuckster 05-02-2008, 7:30 PM | Post #2514101
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Roger,

Its a shame Rob Reed does not post here anymore.  That guy was like a cyber encylopedia and could probably tell you more than you wanted to know on this topic.

Hey Rob are you out there?

Hope your doing well my friend.

Brian

Re: Certificate of Insurance; Liability for Injuries on your premises
Roger from SF 05-04-2008, 12:21 AM | Post #2514445
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Brian, thanks for your reply. Yes, I have general liability insurance, but it would not cover product liability.  The license agreements that come with all software that I've seen (and I've examined quite a few) do not warrant the fitness of the software for any particular purpose, and require the purchaser to assume risk of use.

Like everybody else, my license offers to refund if the software does not function correctly, but that is the limit of remedy.

Aside: If Microsoft was sued each time Windows crashed, they would have been put out of business years ago.

Any computer application is dependent on the operating system, hardware, and other programs installed on the computer.  The system is potentially subject to attack by viruses or worms.  There are a lot of moving parts outside the control of a developer.  When something breaks, the reason may not be apparent.

I had to chuckle at your use of the term "moron," because that was one of the words I used too (with a few choice adjectives).

Cheers,

Roger
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