In our
professional lives we may not have thought seriously about the consequences
they may have for us as software manufacturers the work we do.
Imagine you work as a freelancer and designed a soft that analyzes
customer risk when loans either because if we make an error where a customer
with low ability to pay or insolvent software that can report give credit (for
error) or a hospital that has a database of drugs and patients and by a coding
error when searching not believed correct medication-patient relationship,
since then our client could take legal action against us interposing a claim
for damage to third parties with the economic consequences that entails.
Course to avoid this situation we have to do the
following:
- Increase the quality of software. Performing all
test test necessary to check the quality of our product.
- Make it clear in the contract limits the liability
of the customer for the purchase of our software (if not agree can buy some of
its competition) and ours.
- Hire a liability insurance (although not mandatory,
correct me if I am wrong) we would certainly be covered against possible legal
claims.
Consider that the insurer will not pay the entire
claim, but the part that we have agreed with her through the insurance contract
that we have signed.
Types of Insurance :
If we shop online and installed it on our server and
for a time the store stops selling the customer we can claim compensation that
must be covered by hiring a professional liability insurance (which covers
damage to software)
If a customer going to repair a computer and for
whatever reason the computer stops functioning due to physical damage the
client we can apply for compensation for damages that have to be covered by a
general liability insurance.
If you have a business and want to cover the damage
caused by our employees will have to hire an employers liability insurance.
In the event that we contract employees have to hire a
cross-party insurance (in this case it is necessary to recruit employers
liability insurance previously).
We have to note that this type of insurance is deductible (an amount below which
it does not have coverage) and depending on the amount of the franchise will
pay a higher or lower insurance fee.
