[pianotech] liability insurance

[Norman Dutton]

Thank you! That's good to know, and makes a lot of sense. I should 
probably look into getting separate liability insurance for my business 
as well.

Norman Dutton
PTG Associate Member



Kerry wrote:
> 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
>>     
>
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