liability insurance

[Sean Kelly]

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Re: liability insuranceDear Eliot,
    That's very interesting about the LDS church requiring liability insurance.  And thanks for the suggestion about Farmer's.  I really need just liability insurance rather than any tool insurance.  Safeco (Potter, Leonard & Cahan) requires you to buy tool and bailee insurance along with liability.
                                    All the Best,
                                     Sean Kelly

  ----- Original Message ----- 
  From: Eliot Lee 
  To: pianotech@ptg.org 
  Sent: Friday, April 12, 2002 12:18 PM
  Subject: Re: liability insurance


  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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