The Electrical Contractor Network

ECN Electrical Forum
Discussion Forums for Electricians, Inspectors and Related Professionals

Books, Tools and Test Equipment for Electrical and Construction Trades

Register Now!

Register Now!

We want your input!

Featured:
   

2017 NEC and Related
2017 NEC
Now Available!

   
Recent Posts
Sprinklered equipment 26-008
by twh
Today at 06:28 AM
On Delay Relay with Auto Reset
by Potseal
Yesterday at 09:59 AM
Wow, that was close!
by jraef
11/28/16 07:06 PM
Earthquake in New Zeeland
by RODALCO
11/27/16 11:25 PM
Calling all Non-US members!! (Non-US only)
by Tjia1981
11/27/16 06:33 AM
New in the Gallery:
12.5A through 0.75mm˛ flex (just out of curiosity)
Shout Box

Top Posters (30 Days)
gfretwell 15
HotLine1 10
Trumpy 8
Texas_Ranger 8
sparkyinak 7
Who's Online
0 registered (), 192 Guests and 4 Spiders online.
Key: Admin, Global Mod, Mod
Topic Options
Rate This Topic
#186953 - 06/07/09 03:30 PM Charity,CYA
leland Offline
Member

Registered: 08/20/07
Posts: 856
Loc: Lowell area, Ma. USA
Hi Folks.
I'm involved with a veterans group,up until now it has only been function volunteer work and financial donations.

I now have an opportunity to donate my skill/trade. Insurance is required,not the issue. How much should I protect myself? Not insurance wise,I have 1mil,liability,including finished installs.

This is for a group that builds and donates adapted homes to our severely injured veterans. I feel honerd to have been asked (having not served my self,my little way of giving back).

What type of contract,if any,and what wording would yall' recommend?

Thanx for your time.


Edited by leland (06/07/09 03:31 PM)

Top
Business, Office, Estimating, Legal:
#186954 - 06/07/09 03:48 PM Re: Charity,CYA [Re: leland]
WireNuts29 Offline
Member

Registered: 07/24/07
Posts: 85
Loc: Mass, U.S.A.
Leland,
I would say as long as you are doing permitted work, and your insurance is up to date, you'd be covered. the only con of having only liability insurance is that it does not cover workers comp, that's a seperate policy through my insurance anyway. So that being said work "alone".I'm also a stickler for not allowing anyone to touch any wiring on a job i have the permit for. make sure you spell that out.

Top
#186957 - 06/07/09 05:54 PM Re: Charity,CYA [Re: WireNuts29]
Active 1 Offline
Member

Registered: 02/22/03
Posts: 684
Loc: Grayslake IL, USA
A good question for you agent. I have read that some companies don't cover work not paid for. I think the reason is some base the insurance price on the EC sales. Someone suggested in the past to charge something for this reason, such as $1.

Perhaps you should spell out your warrenty on parts and labor. Maybe the typical used car one "As-is, no warrenty". I'm sure you would make good on things if there was a problem, by why leave yourself open. An example would be damages resulting from a power outage (non utility). A basement floods, food spoil, emergency repair by other EC, etc. resulting from a defect in the electrical system can be costly. Just seems sometimes like the less you make the more things come back to bite you.

Top
#186958 - 06/07/09 06:31 PM Re: Charity,CYA [Re: Active 1]
leland Offline
Member

Registered: 08/20/07
Posts: 856
Loc: Lowell area, Ma. USA
--less you make the more things come back to bite you.--

Ya the ole, "No good deed goes unpunished!"

Nuts: Here as a sole proprietor (as you know) Workers comp not needed. We however are not at permitting time yet. More research is needed there,I have been asked for labor only.

Active; Great advice,second call in the AM.

Thanx all.

http://www.homesforourtroops.org/site/PageServer

Top



ECN Electrical Forums - sponsored by Electrical Contractor Network - Electrical and Code Related Discussion for Electrical Contractors, Electricians, Inspectors, Instructors, Engineers and other related Professionals