---------------------- multipart/alternative attachment Hi WiM Good advice that filled in the blanks where I left off. The problem I= have is that often times I may have 100 to200 thousand dollars worth of = rebuilds going at one time and if the client has this kind of insurance i= t doesn't seem to make sense for them to pay for extra insurance when it = is'nt needed. Give me your thoughts on this as it's always a sticky wicke= t/annoyance. =20 I know when I leave my car at the dealers for repair that their signs sp= ecifically state that they are not responsible for items left in the car but where does t= here or our responsibility lie. I guess I'm curious as to what I'm really= liable for if a complete loss occured. Perhaps one option would be to offer to add an insurance charge which= as I think of it would probably be nominal if I read the new guild insur= ance costs correctly. I think I calculated my cost on pianos owned and it was about 500 ish pe= r yr. Thats really not too bad. So the cost of having to pay insurance co= verage on your garden variety Stwy/Mason etc.with values of 30 to 50 k wi= th obvious case by case exceptions I.E art case or 9fts. wwould'nt be all= that much. I do carry that extra policy you suggested by the way. Just in case! I'd love more discussion on this from some who have been in the stic= ky claims situation. Dale Erwin ----- Original Message ----- From: Wimblees@AOL.COM Sent: Sunday, October 28, 2001 5:10 PM To: pianotech@ptg.org Subject: Re: Insuring an action =20 In a message dated 10/26/01 10:07:03 PM !!!First Boot!!!, jbaird@fgi.net = writes: =20 Although I have had many piano actions in my shop before, I would like =20 to hear from others about the amount of insurance that is advisable. =20 I will soon have a 12 year old Steinway L action in my shop. If it =20 should be destroyed, would the $10,000 Bailees and $10,000 Cargo =20 coverage I now have through PTG be enough? There's the cost of the new =20 action itself, of course, but then the considerable cost of time spent =20 making the action feel at home in its new host. =20 Other considerations? =20 Thanks, John Baird =20 John =20 Although the insurance you have might cover the cost of replacing an acti= on, in the event the action is destroyed, and you had to buy a new one fr= om Steinway, the customer might come back and say the piano just doesn't = sound and play the way it used to, and force you to buy a whole new piano= . Therefore, you might want to consider getting a short term rider on you= r present coverage, increasing the amount of insurance for a short period= of time to cover the cost of replacing the piano. Talk to Jerry about th= is. The cost would be very minimal. Yes, you should also ask your custome= r to check with their insurance to see if the action and the whole piano = is covered, but I would still get the extra insurance to protect yourself= . Insurance companies have way of not paying claims if they think they ca= n get away with it. For the few dollars it will cost you for the rider, i= t is better to be protected all the way on your own. =20 Wim =20 ---------------------- multipart/alternative attachment An HTML attachment was scrubbed... URL: https://www.moypiano.com/ptg/pianotech.php/attachments/e2/a7/56/20/attachment.htm ---------------------- multipart/alternative attachment--
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