[pianotech] liability insurance

[Kerry]

I totally agree. I've had a separate policy for years, with good reason.
Unless you've incorporated or otherwise protected yourself, your personal
assets are on the line every time you step into someone's home. 

Kerry Kean
www.ohiopianotuner.com

-----Original Message-----
From: David Love [mailto:davidlovepianos at comcast.net] 
Sent: Tuesday, March 09, 2010 8:57 PM
To: pianotech at ptg.org
Subject: Re: [pianotech] liability insurance

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