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<DIV><FONT face=Arial size=2>To all that responded to my question:</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>This is the first time I have tried the Pianotech
email set-up and I really appreciate your prompt responses. I have talked
to different techs and have gotten such mixed reviews that I really did not know
which way to go. But it seems like your answers are pretty consistent that
insurance is a good thing. I have checked out a couple insurance companies
for quotes; quite a difference in price. I will make sure to ask that
it is for "small business" insurance. You are right. My pocket is
only so deep!!</FONT></DIV>
<DIV> </DIV>
<DIV><FONT face=Arial size=2>Thanks, Robin</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=john@formsmapiano.com href="mailto:john@formsmapiano.com">John M.
Formsma</A> </DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A title=pianotech@ptg.org
href="mailto:pianotech@ptg.org">Pianotech List</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Wednesday, November 08, 2006 2:33
PM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: insurance for piano
business</DIV>
<DIV><BR></DIV>Well Tom, what was it that was not
covered?<BR><BR>JF<BR><BR>Tom Driscoll wrote:
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<DIV><FONT face=Arial size=2>Robin,</FONT></DIV>
<DIV><FONT face=Arial size=2> I'll agree with the group.
Get the insurance but</FONT></DIV>
<DIV><FONT face=Arial size=2> read the fine print ! I had
a recent problem that I assumed was covered by my Safeco policy. SURPRISE!!!
this was an excluded event. The safeco adjuster showed me the section of the
policy that pertained to my claim and of course they were correct ---no
coverage. </FONT></DIV>
<DIV><FONT face=Arial size=2> The adjuster told me "People
think they should be covered for everything "</FONT></DIV>
<DIV><FONT face=Arial size=2> At the Rochester I picked up
the brochure from the agent and WOW! you would think the coverage included
any possible scenario. </FONT></DIV>
<DIV><FONT face=Arial size=2> I'm not sure if any better
policy for the money is out there but I'm looking.</FONT></DIV>
<DIV><FONT face=Arial size=2> Just once I would like to
hear an insurance representative say " Ok ,Tom your covered on this one
.Check is on the way."</FONT></DIV>
<DIV><FONT face=Arial size=2> I guess it's no accident
that the two biggest buildings in Boston are owned by insurance
companies.</FONT></DIV>
<DIV><FONT face=Arial size=2> Tom -Bitter but still
happy-Driscoll</FONT></DIV>
<DIV><FONT face=Arial size=2> </FONT></DIV>
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<DIV
style="FONT: 10pt arial; font-size-adjust: none; font-stretch: normal">-----
Original Message ----- </DIV>
<DIV
style="BACKGROUND: rgb(228,228,228) 0% 50%; FONT: 10pt arial; font-size-adjust: none; font-stretch: normal; moz-background-clip: -moz-initial; moz-background-origin: -moz-initial; moz-background-inline-policy: -moz-initial"><B>From:</B>
<A title=renelson@freeway.net href="mailto:renelson@freeway.net">Reid E.
Nelson</A> </DIV>
<DIV
style="FONT: 10pt arial; font-size-adjust: none; font-stretch: normal"><B>To:</B>
<A title=pianotech@ptg.org
href="mailto:pianotech@ptg.org">pianotech@ptg.org</A> </DIV>
<DIV
style="FONT: 10pt arial; font-size-adjust: none; font-stretch: normal"><B>Sent:</B>
Wednesday, November 08, 2006 11:07 AM</DIV>
<DIV
style="FONT: 10pt arial; font-size-adjust: none; font-stretch: normal"><B>Subject:</B>
insurance for piano business</DIV>
<DIV><BR></DIV>
<DIV><FONT face=Arial size=2>How important is insurance for your piano
business? Is the need based on full-time vs. part-time
business? The kind of work you do--tuning/regulation vs. restoration
at your shop at home? So far, I have only had one customer ask me
re: insurance.</FONT></DIV>
<DIV> </DIV>
<DIV><FONT face=Arial size=2>Thanks, Robin
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