Thanks, Avery, I compared Safeco's rates to Zurich and I went with Zurich. The agent, a customer of mine, carried both companies. Booked a tuning at the same time. Bob Hull --- Avery <avery1 at houston.rr.com> wrote: > Bob, > > Personally, I'd ask Jeannie (PTG office) or whoever > handles > that type of thing or else I'd just call Safeco and > ask! > > I have my vehicle insurance with them and have for > years > and have never had a problem! Even when I got > "T-boned" > right before hurricane Rita hit here! > > Avery > > At 08:57 AM 5/11/2007, you wrote: > >I know Safeco is the insurance company that has > some > >type of policy tailored for Piano technicians. Is > >this the company that practically all techs use or > are > >there others that are competitive and specific to > our > >trade? > > > >Are there a couple or so basic policies that are > >available through Safeco and could someone give a > >brief description and prices? > > > >Can you get these policies through any Safeco > agent? > >I discovered that one of my customers is a Safeco > >agent. > > > >Thanks, > > > >Bob Hull > >--- Anne Acker <a.acker at comcast.net> wrote: > > > > > > > > Mark, > > > > > > I deal with this situation all the time. There > are > > > several ways to insure these instruments just > for > > > the trip. One, you should probably have some > sort > > > of business insurance, and it does exist for > people > > > such as us. They are set up to include > coverage > > > for instruments being transported as part of > your > > > business, whether owned by you or somebody else. > > > It is wise to have people's instruments covered > > > while they are in your workshop as well. > Workshops > > > do burn down from time to time. A colleague's > went > > > down when roofer's were replacing the roof on > the > > > building next door, started a fire, it jumped, > went > > > down the ventilation and hit the lacquer > > > cans....BOOM! Not pretty. > > > > > > Another option I use for my own instruments, is > that > > > I have them covered as part of my large > collection. > > > The insurer specializes in musicians and > instrument > > > owners, and expects they will be transported and > > > sold. There is no deductible, as on a > homeowner's > > > policy. If a hurricane washes away all my > pianos in > > > Savannah, I get a check for their full value. > My > > > homeowner's policy would not be so kind. > > > > > > The price is quoted on a yearly basis, and I pay > up > > > front, but I get a refund pro-rated when > something > > > is sold. I don't transfer ownership to the > buyer > > > until it is safely delivered. > > > > > > If the piano is not yours, you can have the > > > instrument owner keep their own instrument > covered. > > > I have this required on every restoration > contract, > > > whether they are covered in my shop on my policy > or > > > not. Get some legal language, and insist they > > > sign off. It is an easy matter for them to > add > > > the rider to their homeowner's policy. > > > > > > Finally, those year long prices you were quoted > are > > > for year long coverage. You can cancel it when > you > > > deliver the piano and they will have to refund > you > > > the prorated difference. > > > > > > Quite honestly, consider the amount of > investment > > > and your net worth you have in those pianos. > You > > > need to have them covered all the time. It > isn't > > > that expensive in the long run. > > > > > > AA > > > > > > > > > > > > > > > > > > From: Erwinspiano at aol.com [ Save > Address ] > > > Reply-to: Pianotech List > <pianotech at ptg.org> > > > To: pianotech at ptg.org > > > Subject: Re: Insurance rider for > transportation > > > Date: Thu, 10 May 2007 23:08:35 EDT > > > > > > Mark > > > If you were the one insuring these pianos what > > > would you charge? However perhaps a temporary > rider > > > of some kind on your home owners or business > > > insurance might work. How bout guild insurance. > > > That's what we use currently > > > Just a thought > > > Dale > > > I need to move 2 restored S&S B's out of state > to > > > a recital hall for > > > an "on site selection", and wanted to take out a > > > temporary rider to > > > cover their value during transportation. When I > > > called my own insurance > > > Co, I got a quote of $605 for $105k, which gets > me > > > coverage for an > > > entire year (I only need three days). Has > anybody > > > ever had to deal with > > > this? Is this the best I can do? I've heard from > > > customers who routinely > > > transport high value artwork that this is > routinely > > > done for far less. > > > > > > - Mark Dierauf > > > > > > > > > > > > >____________________________________________________________________________________Be > > >a better Globetrotter. Get better travel answers > from someone who > >knows. Yahoo! Answers - Check it out. > >http://answers.yahoo.com/dir/?link=list&sid=396545469 > ____________________________________________________________________________________Get the Yahoo! toolbar and be alerted to new email wherever you're surfing. http://new.toolbar.yahoo.com/toolbar/features/mail/index.php
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