Insurance

David Ilvedson ilvey@sbcglobal.net
Tue, 29 Oct 2002 12:19:26 -0800


Oh yeah...do it myself...;-]

David I.



----- Original message ---------------------------------------->
From: gordon stelter <lclgcnp@yahoo.com>
To: Pianotech <pianotech@ptg.org>
Received: Tue, 29 Oct 2002 11:24:53 -0800 (PST)
Subject: Re: Insurance

>Just a thought: sign crane, or scissors-jack platform.
>Both rentable. Get liability waiver!
>     Thump
>--- "Bradley M. Snook" <bradley@rice.edu> wrote:
>> David, it could be a complicated issue because there
>> are really four parties
>> involved: the buyers, sellers, movers, and the
>> insurers. If any damage is
>> done during the move, it is naturally the movers
>> responsibility to have
>> insurance to cover the damage. This assumes that the
>> mover is responsible
>> for any and all damage; it is often the case that a
>> mover will have only
>> limited liability (usually only so much per pound).
>> If you want full
>> coverage for a mistake that they might make, there
>> is often a higher premium
>> to pay. Piano movers who ONLY do pianos may have
>> their insurance set up
>> differently, but the point is you need to be aware
>> of your actual coverage.
>>
>> If a piano is totaled, and insurance pays out on a
>> claim, then the piano
>> belongs to the insurance company. The sellers would
>> keep their money since
>> the transaction has already taken place, and the
>> buyers would get reimbursed
>> by the mover's insurance company. But the situation
>> could get really ugly if
>> people are unwilling to play nicely.
>>
>> HINT: there is something wrong if the movers can not
>> answer your question
>> properly. Movers damage things all the time; it is
>> simply a part of the job.
>>
>> Bradley M. Snook
>>
>>
>>
>> David Ilvedson:
>> I am selling a Stein M and the piano will need to be
>> craned out from a 2nd
>> story porch.  Question: How does insurance work in
>> this case.  i.e. will the
>> buyers get their $ back and the mover a broken piano
>> if it is dropped from
>> the crane?  I am inquiring with movers and they all
>> say they've been asked
>> this before!
>>
>>
>>
>> _______________________________________________
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