[pianotech] liability insurance

[David Love]

I don't think so.  If you operate a business, your liability associated with
business operations will not likely be covered by your home owner's policy
and I'm not sure you want it that way anyway.  Better to buy a separate
policy that has basic business liability minimum.  The liability portion of
most policies is not that expensive.  I carry $1,000,000 liability plus
coverage for the pianos I have in the shop at any given time plus insurance
for things in transport plus tool loss coverage through Liberty NW and the
liability portion is only a couple of hundred a year.  If you don't do a lot
of rebuilding and aren't carting actions or pianos around then you don't
need as much coverage. But the liability portion you should definitely
carry.  

David Love
www.davidlovepianos.com


-----Original Message-----
From: pianotech-bounces at ptg.org [mailto:pianotech-bounces at ptg.org] On Behalf
Of Norman Dutton
Sent: Tuesday, March 09, 2010 4:51 PM
To: David Ilvedson; pianotech at ptg.org
Subject: Re: [pianotech] liability insurance

Dave,

Call your homeowners insurance agent. You should be covered by the 
liability insurance in your homeowners policy. If the person or 
institution wants a certificate specifically naming them, your 
homeowners insurance company should be able to provide you with one. 
Mine emailed it to me the same day I asked for it.

Norman Dutton
PTG Associate Member



David Ilvedson wrote:
> List,
>  
> What kind of liability insurance do techs carry?   I have a request 
> for a certificate of liability insurnace...
>  
> David Ilvedson, RPT
> Pacifica, CA 94044