Transportation Insurance

[Avery]

Bob,

Personally, I'd ask Jeannie (PTG office) or whoever handles
that type of thing or else I'd just call Safeco and ask!

I have my vehicle insurance with them and have for years
and have never had a problem! Even when I got "T-boned"
right before hurricane Rita hit here!

Avery

At 08:57 AM 5/11/2007, you wrote:
>I know Safeco is the insurance company that has some
>type of policy tailored for Piano technicians.  Is
>this the company that practically all techs use or are
>there others that are competitive and specific to our
>trade?
>
>Are there a couple or so basic policies that are
>available through Safeco and could someone give a
>brief description and prices?
>
>Can you get these policies through any Safeco agent?
>I discovered that one of my customers is a Safeco
>agent.
>
>Thanks,
>
>Bob Hull
>--- Anne Acker <a.acker at comcast.net> wrote:
>
> >
> > Mark,
> >
> > I deal with this situation all the time.  There are
> > several ways to insure these instruments just for
> > the trip.    One, you should probably have some sort
> > of business insurance, and it does exist for people
> > such as us.   They are set up to include coverage
> > for instruments being transported as part of your
> > business, whether owned by you or somebody else.
> > It is wise to have people's instruments covered
> > while they are in your workshop as well.  Workshops
> > do burn down from time to time.  A colleague's went
> > down when roofer's were replacing the roof on the
> > building next door, started a fire, it jumped, went
> > down the ventilation and hit the lacquer
> > cans....BOOM!  Not pretty.
> >
> > Another option I use for my own instruments, is that
> > I have them covered as part of my large collection.
> > The insurer specializes in musicians and instrument
> > owners, and expects they will be transported and
> > sold.   There is no deductible, as on a homeowner's
> > policy.  If a hurricane washes away all my pianos in
> > Savannah, I get a check for their full value.  My
> > homeowner's policy would not be so kind.
> >
> > The price is quoted on a yearly basis, and I pay up
> > front, but I get a refund pro-rated when something
> > is sold.  I don't transfer ownership to the buyer
> > until it is safely delivered.
> >
> > If the piano is not yours, you can have the
> > instrument owner keep their own instrument covered.
> > I have this required on every restoration contract,
> > whether they are covered in my shop on my policy or
> > not.    Get some legal language, and insist they
> > sign off.    It is an easy matter for them to add
> > the rider to their homeowner's policy.
> >
> > Finally,  those year long prices you were quoted are
> > for year long coverage.  You can cancel it when you
> > deliver the piano and they will have to refund you
> > the prorated difference.
> >
> > Quite honestly, consider the amount of investment
> > and your net worth you have in those pianos.  You
> > need to have them covered all the time.  It isn't
> > that expensive in the long run.
> >
> > AA
> >
> >
> >
> >
> >
> > From:         Erwinspiano at aol.com  [ Save Address ]
> > Reply-to:             Pianotech List <pianotech at ptg.org>
> > To:           pianotech at ptg.org
> > Subject:              Re: Insurance rider for transportation
> > Date:         Thu, 10 May 2007 23:08:35 EDT
> >
> >   Mark
> >   If you were the one insuring these pianos what
> > would you charge? However perhaps a temporary rider
> > of some kind on your home owners or business
> > insurance might work.  How bout guild insurance.
> > That's what we use currently
> >   Just a thought
> >   Dale
> >   I need to move 2 restored S&S B's out of state to
> > a recital hall for
> > an "on site selection", and wanted to take out a
> > temporary rider to
> > cover their value during transportation. When I
> > called my own insurance
> > Co, I got a quote of $605 for $105k, which gets me
> > coverage for an
> > entire year (I only need three days). Has anybody
> > ever had to deal with
> > this? Is this the best I can do? I've heard from
> > customers who routinely
> > transport high value artwork that this is routinely
> > done for far less.
> >
> > - Mark Dierauf
> >
>
>
>
>
>____________________________________________________________________________________Be 
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