[pianotech] Malpractice insurance for working for a school district

tnrwim at aol.com tnrwim at aol.com
Fri Jan 21 00:28:13 MST 2011




As far as providing services to minors, you're not. You're providing services to 
he school/district. You don't touch or interact with children, you touch and 
nteract with inanimate objects. 

Even though we're there to work on inanimate object, just because we don't "interact" with children, if we go to a school during the time children are in the building, even if we tune a piano in a  room when there are no children in the room, we have to walk through the hallways to get to the room. That when there is a chance that we would encounter a child. A child could even come into the room while we're working, even if they are not supposed to be there. It's those at those times when the school could claim we "interact" with children.

A liability policy will protect you if a piano runs over a foot, and you're blamed, even if it happened two months after you were there. Malpractice is for when you did a bad job, and they want to sue you for it. I don't know what kind of policy there is to protect you from doing something bad to children, but that is what a back ground check is for. 

Up to now I have not had to get one, even though I tune for a lot of schools. But I bet there will come a time when it be a requiredment.   

Wim 






-----Original Message-----
From: Mark Schecter <mark at schecterpiano.com>
To: pianotech <pianotech at ptg.org>
Sent: Thu, Jan 20, 2011 9:03 pm
Subject: Re: [pianotech] Malpractice insurance for working for a school district


Hi, Diane, 
I don't think they have any right at all to your client list. If they want 
eferences, you can choose who to have them contact. 
As far as providing services to minors, you're not. You're providing services to 
he school/district. You don't touch or interact with children, you touch and 
nteract with inanimate objects. 
Perhaps by malpractice, they mean to say liability? That I could understand. But 
he rest seems completely misplaced to me. 
To suddenly burden you with these unprecedented demands itself seems unethical, 
f they have not required these things prior to paying previous invoices, and 
specially so if they're delaying paying for work that has already been 
erformed. If they want to make a new contractual arrangement, fine, but they 
an't just arbitrarily impose new restrictions on a working agreement whenever 
hey take a notion. They should settle up for work performed under the existing 
greement without changing anything, then negotiate a new agreement for future 
ork, if they can get you to go along with their new requirements. 
Just my take, of course. 
-- Mark Schecter
PS  Don't know about the punctuation, sorry¡

On Jan 20, 2011, at 6:57 PM, Diane Hofstetter <dianepianotuner at msn.com> wrote:
> 
 
 So I have been working for a school district for a couple of years.  All of a 
udden, when I turn in my invoice, they say they can't pay it until I send them 
some paperwork".  The paperwork is a request for my business license number, my 
lient list, and a contract.  Item number seven says:
 
  7. All Contractors providing services to minors must have valid malpractice 
nsurance coverage.  Upon request by  SCHOOL DISTRICT contractor must be able to 
how evidence of such coverage.
 
 I've never had malpractice insurance--except for dispensing hearing aids.  
oes anyone else
 
 Does anyone know why question marks suddenly stop working---
 
 Thanks    (exclamation points don't work either)  
 Diane Hofstetter                         

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