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<DIV><FONT face=Arial>Gregor,</FONT></DIV>
<DIV><FONT face=Arial> I too have insurance provided by a company
associated with PTG.</FONT></DIV>
<DIV><FONT face=Arial> I'll look at the policy again,but I believe we have
a deductable provision that would not cover the 100 euros accident.</FONT></DIV>
<DIV><FONT face=Arial>Tom Driscoll</FONT></DIV>
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<DIV style="FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV
style="FONT: 10pt arial; BACKGROUND: #e4e4e4; font-color: black"><B>From:</B>
<A title=karlkaputt@hotmail.com href="mailto:karlkaputt@hotmail.com">Gregor
_</A> </DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A title=pianotech@ptg.org
href="mailto:pianotech@ptg.org">pianotech@ptg.org</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Saturday, March 31, 2012 4:33
AM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: [pianotech] Business
insurance/attitudes...</DIV>
<DIV><BR></DIV>
<DIV dir=ltr>Once I removed a picture frame from the wall behind/above the
upright piano and it fell down. It turned out that it was a handmade frame
which cost me about 100 Euros. Fortunately it did not fall on the piano! Since
that experience I have an insurance (and I donīt remove anything from
pianos or walls!). Itīs not so expensive, I think I pay about 150 Euros each
year.<BR> <BR>Gregor<BR><BR>------------------------<BR>piano technician
- tuner - dealer<BR>Münster, Germany<BR>www.weldert.de<BR><BR> <BR>
<DIV>
<DIV id=SkyDrivePlaceholder></DIV>> From: drjazzca@gmail.com<BR>> Date:
Fri, 30 Mar 2012 09:46:19 -0400<BR>> To: pianotech@ptg.org<BR>> Subject:
[pianotech] Business insurance/attitudes...<BR>> <BR>> Hello
list<BR>> <BR>> A fellow technicians was asked if they had
insurance......<BR>> He in turn asked me what I thought.<BR>> <BR>>
Upon reflection, it could make a very interesting discussion.<BR>> <BR>>
Those that have, any stories of claims made and reason your glad you had it,
those that<BR>> Don't, any stories of disaster and wishing you did have
it?<BR>> <BR>> Below is my response.....<BR>> Tell me I'm wrong. Tell
me why I should reconsider, or not.<BR>> <BR>>
----------------------------------------------------<BR>> <BR>> I have
no business insurance.<BR>> <BR>> On a few performance gigs at
commercial clients, festivals, shopping centers, people<BR>> Are starting
to ask for liability insurance. That can be had through the musicians
union....<BR>> <BR>> For us, in canada, PTG can not cover us, we would
have to go through a commercial insurance agent. Expensive.<BR>> <BR>>
Do i want to work for people that demand I spend more money on more
administration, <BR>> Or be full with people that don't want to force me to
spend more time, more energy, <BR>> More money, for the privilege of tuning
their piano. I choose the later.<BR>> Clients invite me into their homes
and establishments because they like my work, <BR>> They Ike me, and they
trust me. If they don't trust me, and don't like me or want my work
bad<BR>> Enough that did does not mitigate other administrative details
then I'd rather not do it.<BR>> <BR>> It's usually just a piano
tuning.<BR>> Do they want insurance from the person that vacuums the rug,
waters the plants, plants a rose<BR>> Bush. We are Not like an electrician
that could burn down the building, or a plumber that could flood it. Not like
a construction worker that could fall off the roof. Do the musicians need
insurance because their flute might fall on someone, or clarinet might
explode. A tuning is not working With power tools, working in a crowd of
people, etc. it's more like a musician....just adjusting Piano strings.
Insurance......if a string breaks they want insurance to pay for it?<BR>>
<BR>> I think the chances of a piano tuner needing to use insurance, having
a claim, are so much more remote then most every trade......unless your doing
rebuilding on site in their location....<BR>> But we are just turning
screws, and adding pieces of paper or felt for the most part.<BR>> <BR>>
Just an opinion.........I could be wrong..........I certainly have an attitude
toward insurance companies.<BR>> <BR>> Cheers<BR>> Dave
Renaud<BR>> <BR></DIV></DIV></BLOCKQUOTE></BODY></HTML>