Safeco business insurance

[David Love]

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You have insurance in the hopes you will never use it.  Odd thing that.  =
If
you cart around actions, have other people's pianos in your shop, show a
propensity to barf on Ms. Smiths new carpet, or any other such things =
that
can be hazardous to your bottom line, it's best to get some. =20

=20

David Love
davidlovepianos@comcast.net=20

-----Original Message-----
From: pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] On =
Behalf
Of Geoff Sykes
Sent: Thursday, August 11, 2005 5:19 PM
To: 'Pianotech'
Subject: RE: Safeco business insurance

=20

Being relatively new to this business I have no piano service related
insurance. And while I have yet to actually ask any of the members in my
local PTG chapter if they carry any, I've thought about its value.
Therefore, how many techs out there actually have insurance? How many =
times
have you actually needed it and/or were glad you had it? In other words, =
is
it worth investing in yet another insurance crap shoot in order to keep
myself "protected" from the masses in our overly litigation inspired
society?

=20

Geoff Sykes

Assoc. Los Angeles

=20

-----Original Message-----
From: pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] On =
Behalf
Of Carl Meyer
Sent: Thursday, August 11, 2005 4:55 PM
To: Pianotech
Subject: Re: Safeco business insurance

=20

----- Original Message -----=20

From: Andrew and <mailto:anrebe@sbcglobal.net>  Rebeca Anderson=20

To: Pianotech <mailto:pianotech@ptg.org> =20

Sent: Thursday, August 11, 2005 3:08 PM

Subject: Re: Safeco business insurance

=20

I got a quote from them that has me looking for competing bids.
Andrew
At 04:53 PM 8/11/2005, you wrote:



To the list:  Just got a renewal notice from Safeco that my insurance =
will
be raised 32% for the upcoming year!! Has anybody else encountered =
something
like this? =20
=20
Don Bee, Sr., RPT
Chicago Chapter


Thanks for reminding me how much insurance companies are like =
politicians,
lawyers and child molesters.

=20

When I started to fix pianos, install pianocorders etc. I got a =
liability
etc policy from a broker for about 750 dollars a year. (that was about =
what
I was making)

=20

State Farm then told me they were getting in the business.  I got a =
policy
from them for about $450 a year.  Next year they raised it to $550. Next
year $1250.  I reluctantly paid it until they then raised it to $2500.  =
It
was obvious they wanted to get out of the business.  Nobody would talk =
to me
for less than $2500.  That was when I signed up for the PTG for about =
$250 a
year.  Last payment was was about $550.  I've never filed a clain (The
insurance companies will say "well you're about due")  If Safeco is
listening I have one thing to say "UP YOURS".  When my payment is due, =
guess
what? Hasta la vista baby.  Has anybody tried Lloyds of London?  They =
insure
boobs, so why not piano techs?

=20

I have no advice, except to bitch, bitch.bitch. It won't do any good, =
but
you'll feel better.

=20

When you shop for insurance, make sure it includes "products liability".
that is very important if you install after market equipment such as
Pianodisc or Pianomation.  I still install the occasional Pianocorder =
with
interface to the computer so I am somewhat vunerable.  Electrical
installation can be a problem for liability.

=20

Happy hunting,

=20

Carl Meyer PTG assoc
Santa Clara, Ca.


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