Jim: We recently had a local PTG member REMOVE the Teflon we had used on knuckles as part of our own shop prep. After grand was delivered he Him removing the Teflon powder was unauthorized by us. The Teflon powder we used was purchase form Spurlock supplies He then went on to warn our customer about teflon's alleged health hazard, effectively destroying the relationship we had with this customer. We are very concerned about this planning to lodge a complaint. Appreciating a position from your side. Thank you very much Norbert Marten -----Original Message----- From: pianotech-bounces at ptg.org [mailto:pianotech-bounces at ptg.org] On Behalf Of jim at grandpianosolutions.com Sent: Monday, April 30, 2012 8:07 AM To: pianotech at ptg.org Subject: Re: [pianotech] Home Shop & Liability insurance Not wanting to muck up Dave's Business insurance/attitudes thread, this is a related thread for small, one man, rebuilding and in-home service businesses, with a shop on or at their residence. My shop is a large stand alone building next to my house. I carry commercial insurance to cover the shop building (separate from homeowners) all under an umbrella commercial liability policy. The policy sets me back just under 2K/yr. Over the years I've done a fair amount of shopping and switching carriers, but the bottom line is always that the coverage for the building alone is a huge percentage of my insurance bill. Since the building is considered a "commercial" building (even though its on residential real estate), the carriers require the replacement value of the building to be covered at a rate well beyond what I would need to rebuild the entire building, its jigs, machinery, replace client property, etc. So the property coverage is charged at a rate proportional to the excessive commercial replacement value, no matter who I talk to. The commercial liability which comes with the umbrella policy is much easier to swallow, in the $400 department. So those of you with shops on your property, as opposed to rented shop space, are you shelling out that kind of dough for "commercial" property insurance. I checked the insurance guys that PTG is affiliated with, but they couldn't deal with covering a "commercial" building. Homeowners policies, by the way, at least in MA, though they can cover at home businesses with a waiver, do not seem to be viable policies for a large stand alone commercially intended building. Jim Ialeggio -- Jim Ialeggio jim at grandpianosolutions.com (978) 425-9026 Shirley, MA
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