Insuring pianos in the shop, etc.

[Stan Kroeker]

Lance,

My restoration contract includes a very simple clause which, when signed and
dated, releases me of liability while a client's piano is in my possession.
It also states clearly that any insurance coverage is solely the client's
responsibility.  Most families' home and contents insurance cover their
pianos whether they are in the home or out for repairs.  The clause simply
precludes their insurance company suing me to recover their loss.

That being said, my business insurance includes $10,000 coverage for
clients' pianos in my possession.  The premiums are a cost-effective second
line of defense.

Regards,

Stan Kroeker
Registered Piano Technician
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>From: "Lance Lafargue" <lafargue@iamerica.net>

> How do you all handle insuring pianos while they are in your
> shop/possession?  I will have pianos in my shop and be sending them to
> another tech and refinisher through rebuilding projects.  Am I only
> responsible for coverage while in my possesion?  What's the smartest way to
> handle that?  What kind of insurer likes this type of policy?  I've used
> Potter, Leonard & Cahan through the Guild and have just been insuring them
> while they are with me, but I'm wondering if I'm doing the wisest thing.  Do
> you get proof of insurance before the other parties (movers, etc) take
> possession of the piano?  Any information from those who have been doing it
> a lot is appreciated.
>
> Lance Lafargue, RPT
> Mandeville, LA
> New Orleans Chapter