insurance for piano business

[Reid E. Nelson]

To all that responded to my question:

This is the first time I have tried the Pianotech email set-up and I really appreciate your prompt responses.  I have talked to different techs and have gotten such mixed reviews that I really did not know which way to go.  But it seems like your answers are pretty consistent that insurance is a good thing.  I have checked out a couple insurance companies for quotes; quite a difference in price.  I will make sure to ask that it is for "small business" insurance.  You are right.  My pocket is only so deep!!

Thanks, Robin 
  ----- Original Message ----- 
  From: John M. Formsma 
  To: Pianotech List 
  Sent: Wednesday, November 08, 2006 2:33 PM
  Subject: Re: insurance for piano business


  Well Tom, what was it that was not covered?

  JF

  Tom Driscoll wrote: 
    Robin,
        I'll agree with the group. Get the insurance but
        read the fine print ! I had a recent problem that I assumed was covered by my Safeco policy. SURPRISE!!! this was an excluded event. The safeco adjuster showed me the section of the policy that pertained to my claim and of course they were correct ---no coverage. 
        The adjuster told me "People think they should be covered for everything "
        At the Rochester I picked up the brochure from the agent and WOW! you would think the coverage included any possible scenario. 
        I'm not sure if any better policy for the money is out there but I'm looking.
        Just once I would like to hear an insurance representative say " Ok ,Tom your covered on this one .Check is  on the way."
        I guess it's no accident that the two biggest buildings in Boston are owned by insurance companies.
        Tom -Bitter but still happy-Driscoll
        
      ----- Original Message ----- 
      From: Reid E. Nelson 
      To: pianotech at ptg.org 
      Sent: Wednesday, November 08, 2006 11:07 AM
      Subject: insurance for piano business


      How important is insurance for your piano business?  Is the need based on full-time vs. part-time business?  The kind of work you do--tuning/regulation vs. restoration at your shop at home?  So far, I have only had one customer ask me re: insurance.

      Thanks, Robin   
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