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Definitely have that LLC on the front burner; thanks for your advice about having it buy the General and Pro Liability... Good stuff
"... having only that moment finished a vigorous game of Wiff-Waff and eaten a tartiflet." - Henry Minute
"Let's face it, after Monday and Tuesday, even the calendar says WTF!" - gavindon
Programming is a race between programmers trying to build bigger and better idiot proof programs, and the universe trying to build bigger and better idiots, so far... the universe is winning. - gavindon
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Errors and Omissions insurance runs about $400-$500 per year for about $1MM. Been 1099 in banking application where some, not all, require E&O.
A lawyer will tell you the to get E&O and charge you $500.
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sqlserverprogrammer.com wrote: A lawyer will tell you the to get E&O and charge you $500.
heheh yeah luckily I do know a "good" lawyer (though he has yet to call me back LOL) who, if/when he does call back would probably just say E & O like most folks on here have as well.. Thanks
"... having only that moment finished a vigorous game of Wiff-Waff and eaten a tartiflet." - Henry Minute
"Let's face it, after Monday and Tuesday, even the calendar says WTF!" - gavindon
Programming is a race between programmers trying to build bigger and better idiot proof programs, and the universe trying to build bigger and better idiots, so far... the universe is winning. - gavindon
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Get a lawyer. I'm not a lawyer. But...
It depends very much on what state you live in. Some states make you more strictly liable than others, so totally get a lawyer.
Probably you want to incorporate yourself as an LLC, and have the contract made out to the LLC. Being an LLC limits your liability to company assets. They can't take your home and your retirement funds. Probably. But they can still sue you, and you still have to pay for a lawyer, even if your defense is successful.
Insurers offer a general liability coverage that pays for lawyers and damage awards. You probably have some liability coverage as part of your homeowners insurance right now, but it probably isn't enough for a professional who is a sole proprietor. This insurance is quite inexpensive because despite what you hear, not all that many individuals get sued. Individuals are not big enough targets to pay for million-dollar legal fights. Call your homeowners insurer or auto insurer. After you talk to the lawyer. Beware of a "doughnut hole", a range of costs below which you are covered, and above which you are covered, but inbetween which you are responsible. Insurers like to put the doughnut hole right in the most likely range of liability awards. They have 50 actuaries working tirelessly to find this point. Get a policy with no doughnut hole.
Don't worry too much. It has historically been hard to tag software engineers with liability for coding bugs because it is well understood that all software contains bugs, and the standard of competent practice does not deliver bug-free code. Your liability would be greater if you left a back-door in the code, deliberately did not heed warnings from competent and well-informed people, or actually threw paper copies of medical records into the municipal waste stream.
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OK thanks for the sound advice, esp about that doughnut hole; never heard of that before and I sure am glad you brought it up... Thanks
"... having only that moment finished a vigorous game of Wiff-Waff and eaten a tartiflet." - Henry Minute
"Let's face it, after Monday and Tuesday, even the calendar says WTF!" - gavindon
Programming is a race between programmers trying to build bigger and better idiot proof programs, and the universe trying to build bigger and better idiots, so far... the universe is winning. - gavindon
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When did that
Happen ?
hmm???
Huh, always wondered how to get the "quote" thingy to work!
I must be behind the times. 
Marc
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OriginalGriff wrote: Last month.
Or "three months ago today", as it's known in the rest of the world. 
"These people looked deep within my soul and assigned me a number based on the order in which I joined."
- Homer
modified 30-Jun-15 14:17pm.
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I live in Wales.
We are in a different time zone.
(Mostly, the 1950's)
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
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So, like Scarfolk[^], but with more sheep?
"These people looked deep within my soul and assigned me a number based on the order in which I joined."
- Homer
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That's rather bigotted of you. 
#SupportHeForShe If your actions inspire others to dream more, learn more, do more and become more, you are a leader.-John Q. Adams
You must accept 1 of 2 basic premises: Either we are alone in the universe or we are not alone. Either way, the implications are staggering!-Wernher von Braun
Only 2 things are infinite, the universe and human stupidity, and I'm not sure about the former.-Albert Einstein
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I'm trying to upgrade jQuery in our app and received this message from a plugin:
Quote: blockUI requires jQuery v1.2.3 or later! You are using v1.11.3
There are only 10 types of people in the world, those who understand binary and those who don't.
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Don't you love it when a version comparison is done by string, not by numeric value?
Man, the last time I encountered that stupidity was some 20 years ago.
Marc
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Marc Clifton wrote: Man, the last time I encountered that stupidity was some 20 years ago.
Man, the last time I encountered that stupidity was last week in QA... 
Bad command or file name. Bad, bad command! Sit! Stay! Staaaay...
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What do you get when you cross a joke with a rhetorical question?
The metaphorical solid rear-end expulsions have impacted the metaphorical motorized bladed rotating air movement mechanism.
Do questions with multiple question marks annoy you???
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You must be on a really old version of the plugin[^] - the latest version requires jQuery v1.7 or higher.
Are you still supporting IE6/7/8? If not, is there a reason you're sticking with the v1 branch instead of the v2 branch?
"These people looked deep within my soul and assigned me a number based on the order in which I joined."
- Homer
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Richard Deeming wrote: You must be on a really old version of the plugin[^]
A few years, ya.
Richard Deeming wrote: is there a reason you're sticking with the v1 branch instead of the v2 branch?
Don't fix what aint broke.
There are only 10 types of people in the world, those who understand binary and those who don't.
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Yes, but it goes to 11...
"Go forth into the source" - Neal Morse
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doanchyano, "11" < "2"? (as strings)
#SupportHeForShe If your actions inspire others to dream more, learn more, do more and become more, you are a leader.-John Q. Adams
You must accept 1 of 2 basic premises: Either we are alone in the universe or we are not alone. Either way, the implications are staggering!-Wernher von Braun
Only 2 things are infinite, the universe and human stupidity, and I'm not sure about the former.-Albert Einstein
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So I posted a question in the C# forum trying to figure out why my app settings were not reloading.
My class has properties for each setting:
public bool IsSensorListVisible
{
get { return _IsSensorListVisible; }
set
{
if (_IsSensorListVisible != value)
{
_IsSensorListVisible = value;
save();
}
}
}
.
.
.
Notice the call to Save?? So the CTOR calls Load, which sets each property, which then calls Save...
DOH!!!
<slaps forehead="">
If it's not broken, fix it until it is
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This is the very first thing a junior programmer is smacked over the head with -- do not have hidden functionality ESPECIALLY IN PROPERTY SETTERS
Smack
Marc
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Impressive.. 
Must have taken a little while to do..
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Yeah, it must've. I copied it from someone else. 
#SupportHeForShe If your actions inspire others to dream more, learn more, do more and become more, you are a leader.-John Q. Adams
You must accept 1 of 2 basic premises: Either we are alone in the universe or we are not alone. Either way, the implications are staggering!-Wernher von Braun
Only 2 things are infinite, the universe and human stupidity, and I'm not sure about the former.-Albert Einstein
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