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<DIV><STRONG><FONT face=Arial>Re the floor damage, on moving a
piano.</FONT></STRONG></DIV>
<DIV><STRONG><FONT face=Arial>I heard a similar story, so if at all possible, I
have the customer move the piano. I may assist, but point out that damage
associated with the moving is their responsibility.</FONT></STRONG></DIV>
<DIV><STRONG><FONT face=Arial>So far I am lucky, I have never had to put it to
the test.</FONT></STRONG></DIV>
<DIV>John M. Ross<BR>Windsor, Nova Scotia, Canada<BR><A
href="mailto:jrpiano@win.eastlink.ca">jrpiano@win.eastlink.ca</A></DIV>
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<DIV style="FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV
style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black"><B>From:</B>
<A title=741662027@theshusters.org href="mailto:741662027@theshusters.org">Cy
Shuster</A> </DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A title=pianotech@ptg.org
href="mailto:pianotech@ptg.org">Pianotech</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Friday, August 12, 2005 9:46
AM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: Safeco business
insurance</DIV>
<DIV><BR></DIV>
<DIV><FONT face="Verdana Ref" size=2>Absolutely. Insurance companies are
highly regulated. When I worked at Transamerica (eons ago), they didn't
even own the furniture we used, because they had to stay liquid to settle
possible claims. They also have a big dependency on the stock market for
their income; when that's down, there are cost pressures, too. It's real
tough in smaller states like WV, where it's harder to spread the risks
around.</FONT></DIV>
<DIV><FONT face="Verdana Ref" size=2></FONT> </DIV>
<DIV><FONT face="Verdana Ref" size=2>I was told that the first step in
business liability protection was to bump up my car liability to the limits
first, and then add on from there. I suppose that answer varies by
state, too. Are there alternatives to Safeco for business liability and
tool insurance? (I remember a horror story here about pulling a piano
out from a wall and causing $3000 of damage to a new hardwood floor...
ouch!).</FONT></DIV>
<DIV><FONT face="Verdana Ref" size=2></FONT> </DIV>
<DIV><FONT face="Verdana Ref" size=2>--Cy--</FONT></DIV>
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<DIV style="FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV
style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black"><B>From:</B>
<A title=tompiano@bellsouth.net href="mailto:tompiano@bellsouth.net">Tom
Servinsky</A> </DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A title=pianotech@ptg.org
href="mailto:pianotech@ptg.org">Pianotech</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Friday, August 12, 2005 6:22
AM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: Safeco business
insurance</DIV>
<DIV><FONT face="Verdana Ref" size=2></FONT><BR></DIV>
<DIV><FONT face=Arial size=2>For what it's worth...Safeco is pulling
completely out of Florida for homeowners insurance. Can't help but think
that the devastating last year of hurricane damaged homes (that
companies like Safeco had to pay out), is affecting their underwriting
policies and prcings for the every type of coverage.</FONT></DIV>
<DIV><FONT face=Arial size=2>Tom Servinsky</FONT><FONT id=role_document
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