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#186953 - 06/07/09 03:30 PM Charity,CYA
leland Offline

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)

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

Registered: 07/24/07
Posts: 85
Loc: Mass, U.S.A.
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.

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

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.

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

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.


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