Safeco business insurance

[John Ross]

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Re the floor damage, on moving a piano.
I heard a similar story, so if at all possible, I have the customer move the piano. I may assist, but point out that damage associated with the moving is their responsibility.
So far I am lucky, I have never had to put it to the test.
John M. Ross
Windsor, Nova Scotia, Canada
jrpiano@win.eastlink.ca
  ----- Original Message ----- 
  From: Cy Shuster 
  To: Pianotech 
  Sent: Friday, August 12, 2005 9:46 AM
  Subject: Re: Safeco business insurance


  Absolutely.  Insurance companies are highly regulated.  When I worked at Transamerica (eons ago), they didn't even own the furniture we used, because they had to stay liquid to settle possible claims.  They also have a big dependency on the stock market for their income; when that's down, there are cost pressures, too.  It's real tough in smaller states like WV, where it's harder to spread the risks around.

  I was told that the first step in business liability protection was to bump up my car liability to the limits first, and then add on from there.  I suppose that answer varies by state, too.  Are there alternatives to Safeco for business liability and tool insurance?  (I remember a horror story here about pulling a piano out from a wall and causing $3000 of damage to a new hardwood floor... ouch!).

  --Cy--
    ----- Original Message ----- 
    From: Tom Servinsky 
    To: Pianotech 
    Sent: Friday, August 12, 2005 6:22 AM
    Subject: Re: Safeco business insurance


    For what it's worth...Safeco is pulling completely out of Florida for homeowners insurance. Can't help but think that the devastating last year of hurricane damaged homes (that companies like Safeco had to pay out), is affecting their underwriting policies and prcings for the every type of coverage.
    Tom Servinsky

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