>Ironically, the early versions of this app were written when I was an employee--first of a programming firm, and then of the governmental agency for whom the app was written. I never had to deal with the insurance and contract issues. When I went into business for myself, I consciously chose not to work for governmental agencies and to focus on small businesses (generally 1 to 25 employees) in the healthcare field where I have an extensive background. I inherited the support of this app about 10 years ago when my former employer closed his doors.
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>I have enjoyed nearly 15 years of stimulating projects and great clients without ever being asked for E&O or GCL--and many of my clients are attorneys! I have been able to hand-pick clients and, in doing so, to find folks who have been great to work with. There has never been a dispute, much less any hint of litigation. It's like I suspect business may have been conducted a generation ago. That said, things are changing, I'm not taking on new clients but will continue to support the existing ones. Aflter all, they're almost like family!

In my case, I am subcontracted through another consulting co. to a state gevernment contract. Between the state and the consulting company they have the insurance rule. It gets passed to my company.

We did add the cost in on our rate.