Yes, I think it’s a good idea to carry liability insurance. It’s not really that expensive, especially the liability portion and there are circumstances in which things can happen. Apropos to a recent discussion, you lift the lid and it falls off the piano onto the floor damaging both the lid and the floor and the Ming Dynasty lamp sitting on the table behind it. A child pulls the utility knife out of your tool kit while you’re out to the car getting the vacuum and slices his hand open. I don’t know, I suppose if I think about it longer I could come up with some nightmare scenarios. Knock on wood, I’ve never had to use it but you have it hoping you don’t. It also covers things like actions in transit (a rear-ender with a new Steinway action in the back can be a major expense without insurance), and, of course, pianos that you might have in your possession. I get my insurance through Liberty NW which provides policies to our trade members. The amounts and coverage can be customized for your own particular needs. David Love www.davidlovepianos.com From: pianotech-bounces at ptg.org [mailto:pianotech-bounces at ptg.org] On Behalf Of pianofritz50 at aol.com Sent: Saturday, May 15, 2010 6:55 PM To: pianotech at ptg.org Subject: Re: [pianotech] liability insurance David Love said: >I do carry liability insurance (and you should too) though I don’t know whether it will cover issues related to poor piano maintenance. I guess the worst disaster is probably the plate cracking. But even then, it’s not something you should assume responsibility for. >David Love >www.davidlovepianos.com David, what liability insurance company do you carry? And how much? Do you think that's the norm for a Technician who is mainly a tuner vs a rebuilder?? Thanks... Bill Fritz, St Louis -------------- next part -------------- An HTML attachment was scrubbed... URL: <http://ptg.org/pipermail/pianotech.php/attachments/20100515/8994c6a3/attachment.htm>
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