FREQUENTLY ASKED QUESTIONS
PROFESSIONAL LIABILITY INSURANCE
Q: What is Professional Liability Insurance?
A: Professional Liability Insurance is the same thing as Errors and Omissions (E&O). This is the insurance that covers your company, or you individually, in the event that a client holds you responsible for a service you provided, or failed to provide, that did not have the expected or promised results. It covers you for errors (or omissions) that you have made or that the client perceives you have made.
Q: Why do I need Professional Liability insurance?
A: If you are in the business of providing a service to your client for a fee, you have an E&O exposure risk. Consider what can happen if the service is not done correctly or on time, and it costs your client money or harms their reputation. Since no one is perfect, this coverage is a must for those who provide services for a fee. The time to buy or confirm coverage is before the risk is taken.
Q: Where do I get Professional Liability Insurance coverage?
A: You can buy it directly from a broker to cover the type of work you perform. If you have an employer and you provide similar services through them, chances are that you are covered under their policy. If you are a freelancer or consultant, you have to purchase this coverage. If you want to do freelance consulting work through The Engineering Job Link and you are not currently covered, then you can submit a request through the website for approval. If approved, you will be considered a subcontractor to DRC and covered through the current DRC E&O Policy.
Q: What is a Service Provider?
A: A Service Provider is a Freelance Engineer, Designer, Specialist or similar who provides services to complete a job posting.
Q: What is a Service Contractor?
A: A Service Contractor is a Client who posts a job on the website for Freelance Service.
Q: How will payments be handled on a per job basis?
A: Specific jobs that are awarded to service providers will have a contract dollar amount that they agree upon. This dollar amount will be subject to a processing fee by the website. Clients are required to pay at the award stage. This payment will be distributed when the job is satisfactory and approved complete.
Q: What options will a Service Contractor have for posting a job?
A: Client can allow his job description to be a public bid or he can select an option for closed (or sealed) bidding. He can also choose to advertise the project as featured.
Q: What is a featured project?
A: Featured projects are displayed across the home screen for easy viewing by prospective bidders.
Q: How will communications be handled between Service provider and Service Contractor?
A: All communications have to be on the website messaging system.
Q: How does the review system work?
A: The review system is the standard five-star rating and comment style.
Q: Is there a page where Service providers can view their past completed jobs and Service Contractors can view their past jobs completed by service providers?
A: Members have the ability to view a summary of all past work in the MyAccount menu.
Q: How can I protect my idea?
A: Clients or Service Contractors typically provide an applicable NDA (Non-Disclosure Agreement) prior to releasing sensitive data for all parties to sign agreement.
Q: How can I communicate with service providers?
A: Communication between clients and service provider is accomplished through the website only. User dashboards will allow appropriate communication channels with the ability to share files.
Q: Who can see my job?
A: Clients post jobs where all members have visibility. Basic job information is also available for non-members. Bids can be either public or sealed depending on options chosen at the job posting.
Q: How can I be assured payment?
A: Clients who post jobs will pay up front to activate a winning bid. When agreed milestones are approved by the client, then funds will be transferred accordingly via the website.
Q: How do I get a refund?
A: If posting has not been awarded, simply click the website contact link for assistance. Upon confirmation of job status and identity, refunds can be sent by available methods.
Q: Do I need an agreement?
Q: How do I get started?
A: Simply click the “Join Us” button on the website home page.
Q: How do I leave feedback?
A: Leave feedback via the website contact link at the bottom of the website pages.
Q: When should I start working?
A: Work should start upon agreement notification from the Service Contractor who posts the job via the website. When the Service Contractor deposits money into the escrow, the Service Provider will be notified to begin. Also check messages often to make sure you both are on the same page.
Q: Can I request payment?
A: If you have completed a project’s milestones and allowed a few days for client final review, then contact the client for review status. If more work is necessary for satisfactory deliverables, this must be completed before payment.
Q: When will I find out if I’m approved?
A: When a client approves a bid as winner, the job status will immediately change and the winning bidder will be notified by email as well.
Q: Can anyone apply?
A: Qualified applicants may apply for specific job postings. Clients may request additional information from bidding service providers to confirm the right fit to accomplish the task efficiently. Service providers can be engineers, designers, physicists, or similar depending on each specific job scope. Search the current jobs for the best fit.
Q: What should I include in my profile?
A: Basic information is requested in the profile section of your account, so any additional information concerning interests and hobbies may also help clients gain trust in you.
Q: What should I include in my bid?
A: Present clear milestones for steps to completion and associated payments. List exactly what deliverables will be sent with the format to be expected. Respond to each line of Client job postings to show clearly that you read his proposal and understand each line item. Ask any lingering questions for clarification.
Q: How many bids should I submit at a time?
A: Depending on job scopes, you could be overwhelmed quickly if awarded multiple jobs. For this reason, when you are awarded a job, please withdraw immediately from outstanding bids that you cannot fulfill.
Q: Will I get to talk to a client before they make their decision?
A: This is possible with the messaging system.
Q: Can I negotiate for work?
A: Your bid can be changed until the winner is chosen.
Q: What if my client and I decide to edit my job details?
A: No issue. If the client wants to add scope and additional pay, just post new job details. Clients have no obligation to the lowest bid or any other outside criteria. If they are satisfied with your work, they can choose you every time.
Q: What if my client wants to hire me directly?
A: This is not allowed until 2 years after contract completion.
Q: What if my availability to work on a job changes?
A: Cancelling a job after award puts the Client in a very awkward situation. Every effort should be made to deliver on promised contract agreements. If all alternatives are exhausted, the Client should be contacted immediately to limit damages caused by the delay. Also, depending on the contract agreements with the client, payout will proceed or not proceed accordingly. Note that due to the interruption this will cause, ratings could suffer as well. If failure to deliver is a result of personal or family emergency, be sure to communicate this with the Client and all parties involved.
Q: What if my client wants to meet in person?
A: Meeting in person is out of the scope of this website. Insurance issues are not covered for this type of arrangement. Telecom interviews and meetings may be accomplished.
Q: When will I be paid?
A: Escrow account funds will be distributed immediately after the Client approves final deliverables.
Q: How do I submit invoices?
A: No need for a separate invoice. The website will handle payments. If a reminder is desired, use the website messaging system.
Q: What if I have a dispute?
A: Send dispute information to the contact link at the bottom of the website.
Q: How do I find the right Service provider?
A: See the menu item “Provider Search” for provider profiles that can be sorted and searched for qualifications. Service providers may add CV or Resume information in the “Description” box of their “Personal Info” profile. In addition, the rating system can assist clients to find top performers.
Q: How is EngJobLink.com different from other job boards?
A: EngJobLink.com is specialized for engineering related services. No other website offers E&O insurance to make freelance engineering this simple.
Q: Does EngJobLink.com provide career counseling or resume help?
A: We will periodically provide various engineering tips and helps in the Blog section.
Q: Can I hide my profile, so that my current employer can’t find it?
A: It is possible to generalize the user information, but this may also limit your chances for successful bidding.
Q: Do I have to pay to see the full job listings?
A: No, job listings are available for full view at no cost. You will need to register.
Q: How do I cancel or expire my account?
A: Send a request via the contact link at the bottom of the web pages.
Q: How do I reset a password?
A: If you are able to log in, use MyAccount>Personal Info menu. Otherwise click the contact link at the bottom of the web pages.
Q: Do you accept prepaid credit cards?
A: You will need to sign up for a PayPal account. PayPal uses all types of credit cards.
Q: Can I use PayPal?
A: Yes, PayPal is the payment method.
Q: Are all of the jobs remote or work-from-home type jobs?
A: Yes, this is the website scope.
Q: Can I do perform these jobs in addition to my full-time position?
A: Yes, EngJobLink.com is designed to accommodate this situation. However, you should check your company policy for any terms that may limit your participation.
Q: If I am not a US citizen, can I apply for US jobs?
A: Presently, EngJobLink.com is not equipped for this situation. We are currently working to make this possible.
Q: I found a company that I am not sure is legitimate. Can you verify this?
A: The best information we have is direct from the Better Business Bureau.
Q: Will I need to download any software to use EngJobLink.com?
A: No downloads necessary.
Q: What if my question isn’t answered here?
A: Submit alternate questions via the contact link on bottom of web pages.
Q: Do I need to fill out a W9?
A: Yes. At registration or the bid award process we will direct you to fill out this form. Current forms are I here- https://www.irs.gov/Forms-&-Pubs
Q: What about taxes?
A: We issue 1099-MISC tax forms to all qualifying U.S. freelancers. It is your responsibility to report your 1099-MISC earnings to the IRS.
Q: Which freelancers qualify for a 1099-MISC form?
A: You must meet all of the following conditions to receive a 1099-MISC Form:
- You received payment from an employer who uses the websites free 1099 service
- You completed a W-9 form with a valid U.S. social security number (SSN)
- You reside within the U.S. and,
- You received payments through the website totaling $600 or more in the tax filing year.
Please contact an accountant or tax firm if you have any questions about your tax filing.