insurance for piano business

[Cy Shuster]

That's actually not bad, in a way.  Their decision reinforces that the fault was the manufacturer's, not yours.

Like a broken string, it's hard to argue that it's your fault when you are doing exactly what they hired you to do (assuming you're on the right pin, of course).

--Cy--
  ----- Original Message ----- 
  From: Tom Driscoll 
  To: Pianotech List 
  Sent: Wednesday, November 08, 2006 6:24 PM
  Subject: Re: insurance for piano business
      Well Tom, what was it that was not covered?

      JF

      To All,
          A plate broke  near  the tenor hitchpins in the course of a routine pitch raise.First time in 32 years this has happened.
          No Name stencil studio from the 30's.I was not at fault as the sucker broke as soon as I pulled a few strings up . 
          Essentially I was at the controls and the piano broke.
          As I found out , Safeco and the policy does not cover damage from inherent fault in the piano(In this case a weakness in the plate casting )
          If I was moving the piano across the room and tipped the sucker over the policy would cover. If it was in the shop and the shop burned down--covered.I suspect a few more scenarios apply but I'm now better informed as to the limits of the coverage.
          The client was very reasonable and accepted the fact that there was no negligence and also the fact that the piano had very little dollar value before the event.
          With the help of a dealer friend of mine he bought an entry level Chinese studio at cost plus move.
          End of saga--read the fine print !
          Tom D.
                 
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