liability insurance

[Eliot Lee]

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on 4/12/02 1:24 AM, Sean Kelly at skelly@du.edu wrote:

Dear Fellow Tuners,
   While doing my taxes I realized that my tuning insurance has gone up
quite a bit this last year.  Potter, Leonard & Cahan require us to include
tool and bailee insurance in the minimum package whereas I'm really just
interested in liability insurance.  Has anyone explored any other insurance
options? 
                   
                                           Respectfully,
                                        Sean Kelly, RPT
 


I tune for the LDS church and they require liability insurance, the
insurance you are referring to is Safeco insurance.  I am spending $720/year
for that.
I am supposed to have tool coverage with that, and computer coverage, which
I found out when I had to replace my logic board.  Their deductible is
$1000!  That is almost the cost of the computer itself.  So as always money
goes in one direction.....
The deductible for tool loss is $250 which is better.  I think if you are
using an accutuner that is considered a tuning tool not a computer and would
get better coverage.
I know Farmers' offers a liability insurance, but to remove the hassle of
tracking down low prices, I just went ahead with Safeco as they have a
specific category for piano technicians. 

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