No problem Jim! Sorry for my delayed response - my wife is going to deliver our 2nd child (daughter) tomorrow morning! So, I've been a bit busy as you might imagine. Best wishes - Ara
Latest News: (loading..)
0
22 replies to this topic
#22
-
- Community Member
- 2,050 posts
- Real Name:Jim Hande
- Gender:Male
- Location:White Mountains, NH USA
Posted 26 September 2008, 13:00
charagg, on Sep 11 2008, 05:53 PM, said:
No problem Jim! Sorry for my delayed response - my wife is going to deliver our 2nd child (daughter) tomorrow morning! So, I've been a bit busy as you might imagine. Best wishes - Ara
Sorry I have been gone so long.
Congratulations Ara! Hope all went well.
All the best to you and yours!
- :: Jim :: -
- My Toolbox ~ Adobe Web Bundle & WinMerge | Install ~ osCommercev2.2 MS2 060817 -
- Not 4 Hire ~ Please DO NOT PM me for help. I really do not have a clue what I am doing! -
- Working on a new 2.3.1 install -
- My Toolbox ~ Adobe Web Bundle & WinMerge | Install ~ osCommerce
- Not 4 Hire ~ Please DO NOT PM me for help. I really do not have a clue what I am doing! -
- Working on a new 2.3.1 install -
#23
Posted 27 September 2008, 19:59
clrob11, on Oct 17 2007, 03:20 PM, said:
Something that is puzzeling me as I get nearer to opening my store is do I need any form of liability insurance? At the moment the only employee is myself, I have no premmises like a retail store and my busniees is entierly web based and run from home ( I am not interested in home insurance side of things).
The reason I ask is that If I did have retail premisses I would indeed need public liability and indemnity insurance. But I am not sure for a web store.
Any one any thoughts on this?
The reason I ask is that If I did have retail premisses I would indeed need public liability and indemnity insurance. But I am not sure for a web store.
Any one any thoughts on this?
Quite an old thread, but for anyone based in the UK reading this, let me briefly explain about these two types of insurance.
Professional Indemnity Insurance [ESSENTIAL] - if someone decides to sue you because you mis-used their data, sold them something dodgy, or you infringed on someone's intellectual property rights etc., then this insurance will cover you.
Public Liability Insurance [OPTIONAL] - should be considered if members of the public, clients or customers visit your premises. If you run a home-business, and customers sometimes visit you there, public liability cover might also be a good idea.
As I run my business from home (web designer) and my clients on occasion visit me, I have both types of insurance which covers me for a stupidly large sum of money.
You probably need extra cover if you are selling physical goods for example, and you should also check with the Valuation Office in case you need to pay business rates on part of your home.
Edited by Sam G, 27 September 2008, 20:01.
