I don't think so. If you operate a business, your liability associated with business operations will not likely be covered by your home owner's policy and I'm not sure you want it that way anyway. Better to buy a separate policy that has basic business liability minimum. The liability portion of most policies is not that expensive. I carry $1,000,000 liability plus coverage for the pianos I have in the shop at any given time plus insurance for things in transport plus tool loss coverage through Liberty NW and the liability portion is only a couple of hundred a year. If you don't do a lot of rebuilding and aren't carting actions or pianos around then you don't need as much coverage. But the liability portion you should definitely carry. David Love www.davidlovepianos.com -----Original Message----- From: pianotech-bounces at ptg.org [mailto:pianotech-bounces at ptg.org] On Behalf Of Norman Dutton Sent: Tuesday, March 09, 2010 4:51 PM To: David Ilvedson; pianotech at ptg.org Subject: Re: [pianotech] liability insurance Dave, Call your homeowners insurance agent. You should be covered by the liability insurance in your homeowners policy. If the person or institution wants a certificate specifically naming them, your homeowners insurance company should be able to provide you with one. Mine emailed it to me the same day I asked for it. Norman Dutton PTG Associate Member David Ilvedson wrote: > List, > > What kind of liability insurance do techs carry? I have a request > for a certificate of liability insurnace... > > David Ilvedson, RPT > Pacifica, CA 94044
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