There's a myth about Seattle that it's always raining. Let the haters believe it: more of this fantastic city for its residents, right? And indeed, there's a lot to love about Washington's biggest city, according to the findings of Best Places to Live for Tech Entrepreneurs, our report on up-and-coming hotspots for small IT companies. In fact, Seattle made the list as one of the best places for people who love the outdoors. Muahahaha.
- If you're doing IT work for other people, either on a contract basis or as a consumer-focused business, professional liability insurance is one type of coverage you shouldn't go without. Separate from general liability insurance, this policy protects you if your client should claim you were negligent in performing your professional services.
- If you have employees, take extra time to ensure that your workers' comp employment estimates are accurate. It is important to make sure that you report payroll in every state where you have employees. If you fail to report payroll in a specific state, employees in that state may not be covered.
- Washington is famous for its rains, and those who live here know that water damage is just one of the risks of living in this beautifully green state. Check with a TechInsurance agent to get the peace of mind and coverage you need for a rainy day.
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With companies such as Microsoft, Amazon and Nintendo calling it home, Washington is known for its technology business focus. But the proliferation of smaller businesses also makes the state a great place for IT service providers to set up shop. Whether your clients are large or small, understanding Washington business insurance can help you minimize risk and keep your premiums down. In Washington's unique business climate, "one-size-fits-all" doesn't work with business insurance, so be sure you work with an insurance provider that understands the nuances of the Washington IT industry.
Comprehensive Washington Business Insurance, Just for IT Firms
Nobody understands small IT businesses' insurance needs like TechInsurance. Contact us today to talk about your business's specific risks, and let us customize a policy that will cut your liabilities while saving you money. Whether you need workers' comp or employment liability insurance, professional liability or general liability coverage, we have the Washington business insurance you need at a great rate.
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If you're looking for any of the following types of insurance, we've got you covered:
You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.
Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.
Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.
If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.
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- Mastering the IT Project Timeline
The project timeline is a cornerstone of project management. But as most system integrators and computer/software programmers know, developing and sticking to a timeline can be easier said than done.
- Smart IT Project Managers Get It in Writing
Before establishing a formal business relationship, wise IT project managers protect their business interests with appropriate legal contracts. During the initial stages of project development, IT professionals often rely on informal records based on e-mails sent back and forth with the client.