insurance

[Wimblees@AOL.COM]

In a message dated 9/22/00 4:15:54 PM Central Daylight Time, 
pneely@thegrid.net writes:

<< List last year Potter and Leonard raised the ins. by lowering the tools 
from
 a unit of $3000 to $2000 this years the on premises tooLs etc. is an
 additional $30.  Is their another choice for our insurance (does someone
 have a better one)  Pat >>


As far as I know, there probably is not another insurance coverage as good, 
or as inexpensive as what Potter Leonard have to offer. They can offer this 
insurance to PTG members at a lower rate because the policy is specifically 
designed for us, and there is a large number of people sharing the risk 
involved. The only way to get it cheaper is to buy more of another kind of 
insurance as part of a package deal. For instance, since I own a store, I 
have to carry liability, workman's comp, and a bigger amount of coverage for 
my pianos, etc. The specific amount I pay for my tool and bailey is probably 
lower that what you are paying, but then my total premium for all the other 
insurance is a lot higher. 

I know it's hard to justify the increase in premium, but it is well worth 
having. The alternative would be no insurance, and that, in our occupation, 
would not be a good idea.

Willem