In a message dated 9/22/00 4:15:54 PM Central Daylight Time, pneely@thegrid.net writes: << List last year Potter and Leonard raised the ins. by lowering the tools from a unit of $3000 to $2000 this years the on premises tooLs etc. is an additional $30. Is their another choice for our insurance (does someone have a better one) Pat >> As far as I know, there probably is not another insurance coverage as good, or as inexpensive as what Potter Leonard have to offer. They can offer this insurance to PTG members at a lower rate because the policy is specifically designed for us, and there is a large number of people sharing the risk involved. The only way to get it cheaper is to buy more of another kind of insurance as part of a package deal. For instance, since I own a store, I have to carry liability, workman's comp, and a bigger amount of coverage for my pianos, etc. The specific amount I pay for my tool and bailey is probably lower that what you are paying, but then my total premium for all the other insurance is a lot higher. I know it's hard to justify the increase in premium, but it is well worth having. The alternative would be no insurance, and that, in our occupation, would not be a good idea. Willem
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