<html xmlns:v="urn:schemas-microsoft-com:vml" = xmlns:o="urn:schemas-microsoft-com:office:office" = xmlns:w="urn:schemas-microsoft-com:office:word" = xmlns:st1="urn:schemas-microsoft-com:office:smarttags" = xmlns="http://www.w3.org/TR/REC-html40" xmlns:ns0="urn:schemas-microsoft-com:office:smarttags"> <head> <meta http-equiv=Content-Type content="text/html; = charset=us-ascii"> <meta name=Generator content="Microsoft Word 11 (filtered medium)"> <o:SmartTagType namespaceuri="urn:schemas-microsoft-com:office:smarttags" = name="State"/> <o:SmartTagType = namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="place"/> <o:SmartTagType = namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="PlaceName"/> <o:SmartTagType = namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="PlaceType"/> <o:SmartTagType = namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="PersonName"/>  <style>  </style> </head> <body lang=EN-US link=blue vlink=purple id="role_body" = bottomMargin=7 leftmargin=7 topmargin=7 rightMargin=7> <div class=Section1> Hi = Wim,<o:p></o:p> <o:p> </o:p> Actually, I should have made it = clearer. It’s not for BYU that I need all the extra coverage, it’s for the = outside work I contract to do. The LDS church has “FM Groups” (facility management) of about 20 buildings. There are usually 4 or 5 pianos per building. I used to do three FM groups but now I only do one. It’s = kind of silly to pay that much for one FM group, but since the world has gone lawsuit crazy they felt they needed all contractors to have WC and = liability insurance. You may wonder why I keep that FM group. Well, it’s because = that’s where I live and I can’t stand the pianos to be out of = tune.<o:p></o:p> <o:p> </o:p> Jim<o:p></o:p> <o:p> </o:p> <div> <div class=MsoNormal align=center style='text-align:center'> <hr size=2 width="100%" align=center tabindex=-1> </div> From: caut-bounces@ptg.org [mailto:caut-bounces@ptg.org] On Behalf Of <st1:PersonName = w:st="on">Wimblees@aol.com</st1:PersonName> Sent: Wednesday, January = 18, 2006 4:45 PM To: caut@ptg.org Subject: Re: [CAUT] = disablity insurance<o:p></o:p> </div> <o:p> </o:p> <div> <div> In a message dated 1/18/2006 = 5:40:19 PM Central Standard Time, jim_busby@byu.edu = writes:<o:p></o:p> </div> <blockquote style='border:none;border-left:solid blue = 1.5pt;padding:0in 0in 0in 4.0pt; margin-left:3.75pt;margin-top:5.0pt;margin-bottom:5.0pt'> Les, David,<o:p></o:p> <o:p> </o:p> FYI, I have to carry one million $ in liability insurance to = do work for the <ns0:place w:insAuthor="Unknown" w:insDate="2006-01-18T16:57:00Z" w:endInsAuthor="Unknown" w:endInsDate="2006-01-18T16:57:00Z"><ns0:PlaceName = w:insAuthor="Unknown" w:insDate="2006-01-18T16:57:00Z" w:endInsAuthor="Unknown" w:endInsDate="2006-01-18T16:57:00Z"><st1:place = w:st="on"><st1:PlaceName w:st="on">LDS</st1:PlaceName></ns0:PlaceName></s= t1:place> <ns0:PlaceType w:insAuthor="Unknown" w:insDate="2006-01-18T16:57:00Z" = w:endInsAuthor="Unknown" w:endInsDate="2006-01-18T16:57:00Z"><st1:PlaceType w:st="on">Church</st1:PlaceType></ns0:PlaceType>= </ns0:place>. It costs me $197.00 per year. = They also require workman’s comp (I have NO idea why) but that costs me = about $560.00 per year. No disability, = though.<o:p></o:p> <o:p> </o:p> Regards,<o:p></o:p> Jim Busby BYU<o:p></o:p> </blockquote> </div> <div> This is interesting. You work for = a university, but they make you pay liability AND workman's comp. In = Missouri and Alabama, the employer has to pay workman's comp. And it would seem to = me, that an employer has to cover you for liability, also. = <o:p></o:p> </div> <div>  <o:p></o:p>= </div> <div> Wim <o:p></o:p> </div> </div> </body> </html>