OT: Business insurance for independent contractors

[Pat Christenson]

Are any of the independent contractors here carrying business  
insurance? It's been some time since I last checked on it but when I  
did, I found the cost to be very high and the coverage less than  
adequate. I was told at the time that very few companies would cover  
an independent contractor doing computer-related work (doc  
production) because they don't differentiate between for instance,  
someone setting up a payroll system who could do immense damage to a  
client and someone like me (setting up FrameMaker templates where it  
would be almost impossible to do large damage. When clients require  
insurance, I end up working through an agency but I'd prefer to be an  
IC.

Anyway, if anyone here is carrying it, I'd be interested to hear  
about your experience. Feel free to contact me offlist.

Thanks.

Pat Christenson
pxenson at comcast.net