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Fwd: Re: Limit of Liability

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>From a previous post Jeff wrote:

Back to the issue of limiting your Liability to your fee. I can not
>remember when I have had a client agree to this. Of course this would=20
be
>great to get, but this seems somewhat unrealistic to me. I would never=20
sign
>such a contract. I have found that this clause is most often presented=20
by
>engineers that do not have any insurance. "

I restrict my liability to my fee's less expenses and have done this for =
the past ten years or so. I make sure that every one of my clients reads =
the terms and conditions and initials each page. I make the terms very =
clear and in words that every layperson can understand. I want no =
questions left undisclosed once the contract returns to my office.
To date, every one of my clients have signed the work agreement. I once =
checked with an attorney who reviewed it and simply asked if I felt that =
I was sufficiently covered. He advised me that there could always be a =
time when it could be disputed given enough money to proceed.=20
There are only one or two others in my area that have E&O coverage and =
it is because they do work for local municipalities that require it. =
None of us have the resources to pay up to 15% of our gross income for =
insurance - not with the 30%+ that the state and Feds take off the top =
(not even considering health insurance, auto insurance and homeowners =
insurance). .
I have been threatened on only one occasion - not as the defendent, but =
pulled in as one of the related fields to the testing lab being sued. =
Without E&O, I was dropped from the suit since I did not have the deep =
pockets to try and collect from.
E&O insurance is not an option with my one man office. Than combined =
with my big mouth forced the testing lab's attorney to drop ONLY me from =
the named associates draged into the claim.
Possibly I have been lucky, but I don't see that I have much choice in =
the matter if I want to continue to work competivly and to feed my =
family.=20

Dennis Wish PE

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From: "Dennis S. Wish PE" <wish(--nospam--at)cyberg8t.com>
To: "'seaoc(--nospam--at)seaoc.org'" <seaoc(--nospam--at)seaoc.org>
Subject: RE: Limit of Liability
Date: Mon, 7 Apr 1997 13:48:17 -0700
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