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Every job is different. Some customers provide a rough (hand drawn) schematic, mechanical details (enclosure dimensions, mounting hole sizes and locations, clearances, etc.), design notes regarding critical signal paths, a BOM with enough information to gather component data sheets, and any other details that would affect the project completion time. These customers may want a smooth schematic, a board design file, and project documentation as the final output.
Other customers want a complete product design. All they provide is the desired input and output, plus any mechanical limitations they would like to meet.
Still other customers provide a smooth schematic in a format that I can import or open in my EDA software, and other details in nearly finished format. All they really want is a board design.
What the customer gets at the end of the project depends on how much they want to pay, and what has been agreed upon at the begining of the project. If the customer has provided a complete schematic, and all of the design details, they own the whole project. I quote them a price for the smooth schematic output, the Gerber files, and the design documentation.
If the customer wants me to do the entire product design, I quote them a price for the rights to the design, and a lower price if I maintain the rights to the design. If I keep the design rights, the customer will not receive Gerber or EDA files - they will only get PDF documentation. If the customer pays for the design rights, they get anything they want.
The important thing when talking with a customer about a job, is to determine what they expect as a final output from you. You should not give away your time. Things like printed documentation take time and materials just like laying out a board. If you are expected to provide a full set of printed documentation and the electronic files, you should factor that time into your quote. If the customer complains about the cost, you can offer to cut the cost by reducing the extras being requested.
The hardest part of reaching agreement on cost is accounting for customer requested changes. Every change to a schematic, or the design requirements, adds time to your effort - time is what you are charging for. Your contract with the customer should include a paragraph on how cost will be determined if design changes are made at certain points during the progress of the project. Cost should go up if the changes are made after the PCB is laid out, for example, because that will add more time than changes made while the schematic is being drawn.