Transportation Insurance

[Bob Hull]

Thanks, Avery,

I compared Safeco's rates to Zurich and I went with
Zurich.  The agent, a customer of mine, carried both
companies.  Booked a tuning at the same time. 

Bob Hull

--- Avery <avery1 at houston.rr.com> wrote:

> 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
> 
> >a better Globetrotter. Get better travel answers
> from someone who 
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>
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> 



       
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