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<font size=3>Bob, <br><br>
Personally, I'd ask Jeannie (PTG office) or whoever handles<br>
that type of thing or else I'd just call Safeco and ask! <br><br>
I have my vehicle insurance with them and have for years <br>
and have never had a problem! Even when I got "T-boned" <br>
right before hurricane Rita hit here! <br><br>
Avery <br><br>
At 08:57 AM 5/11/2007, you wrote:<br>
<blockquote type=cite class=cite cite="">I know Safeco is the insurance
company that has some<br>
type of policy tailored for Piano technicians. Is<br>
this the company that practically all techs use or are<br>
there others that are competitive and specific to our<br>
trade?<br><br>
Are there a couple or so basic policies that are<br>
available through Safeco and could someone give a<br>
brief description and prices? <br><br>
Can you get these policies through any Safeco agent?<br>
I discovered that one of my customers is a Safeco<br>
agent.<br><br>
Thanks,<br><br>
Bob Hull<br>
--- Anne Acker <a.acker@comcast.net> wrote:<br><br>
> <br>
> Mark,<br>
> <br>
> I deal with this situation all the time. There are<br>
> several ways to insure these instruments just for<br>
> the trip. One, you should probably have some
sort<br>
> of business insurance, and it does exist for people<br>
> such as us. They are set up to include coverage<br>
> for instruments being transported as part of your<br>
> business, whether owned by you or somebody else. <br>
> It is wise to have people's instruments covered<br>
> while they are in your workshop as well. Workshops<br>
> do burn down from time to time. A colleague's went<br>
> down when roofer's were replacing the roof on the<br>
> building next door, started a fire, it jumped, went<br>
> down the ventilation and hit the lacquer<br>
> cans....BOOM! Not pretty. <br>
> <br>
> Another option I use for my own instruments, is that<br>
> I have them covered as part of my large collection. <br>
> The insurer specializes in musicians and instrument<br>
> owners, and expects they will be transported and<br>
> sold. There is no deductible, as on a homeowner's<br>
> policy. If a hurricane washes away all my pianos in<br>
> Savannah, I get a check for their full value. My<br>
> homeowner's policy would not be so kind.<br>
> <br>
> The price is quoted on a yearly basis, and I pay up<br>
> front, but I get a refund pro-rated when something<br>
> is sold. I don't transfer ownership to the buyer<br>
> until it is safely delivered.<br>
> <br>
> If the piano is not yours, you can have the<br>
> instrument owner keep their own instrument covered. <br>
> I have this required on every restoration contract,<br>
> whether they are covered in my shop on my policy or<br>
> not. Get some legal language, and insist they<br>
> sign off. It is an easy matter for them to
add<br>
> the rider to their homeowner's policy.<br>
> <br>
> Finally, those year long prices you were quoted are<br>
> for year long coverage. You can cancel it when you<br>
> deliver the piano and they will have to refund you<br>
> the prorated difference. <br>
> <br>
> Quite honestly, consider the amount of investment<br>
> and your net worth you have in those pianos. You<br>
> need to have them covered all the time. It isn't<br>
> that expensive in the long run.<br>
> <br>
> AA<br>
> <br>
> <br>
> <br>
> <br>
> <br>
>
From:<x-tab> </x-tab><x-tab>
</x-tab>
Erwinspiano@aol.com [ Save Address ]<br>
>
Reply-to:<x-tab> </x-tab><x-tab>
</x-tab>Pianotech List
<pianotech@ptg.org><br>
>
To:<x-tab> </x-tab><x-tab>
</x-tab>
pianotech@ptg.org<br>
>
Subject:<x-tab> </x-tab><x-tab>
</x-tab>Re: Insurance
rider for transportation<br>
>
Date:<x-tab> </x-tab><x-tab>
</x-tab>Thu, 10 May 2007
23:08:35 EDT<br>
> <br>
> Mark<br>
> If you were the one insuring these pianos what<br>
> would you charge? However perhaps a temporary rider<br>
> of some kind on your home owners or business<br>
> insurance might work. How bout guild insurance. <br>
> That's what we use currently<br>
> Just a thought<br>
> Dale<br>
> I need to move 2 restored S&S B's out of state
to<br>
> a recital hall for <br>
> an "on site selection", and wanted to take out a<br>
> temporary rider to <br>
> cover their value during transportation. When I<br>
> called my own insurance <br>
> Co, I got a quote of $605 for $105k, which gets me<br>
> coverage for an <br>
> entire year (I only need three days). Has anybody<br>
> ever had to deal with <br>
> this? Is this the best I can do? I've heard from<br>
> customers who routinely <br>
> transport high value artwork that this is routinely<br>
> done for far less.<br>
> <br>
> - Mark Dierauf<br>
> <br><br>
<br><br>
<br>
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