<html> <head> <style></style></head> <body class='hmmessage'><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 don´t remove anything from pianos or walls!). It´s not so expensive, I think I pay about 150 Euros each year.   Gregor ------------------------ piano technician - tuner - dealer Münster, Germany www.weldert.de   <div><div id="SkyDrivePlaceholder"></div>> From: drjazzca@gmail.com > Date: Fri, 30 Mar 2012 09:46:19 -0400 > To: pianotech@ptg.org > Subject: [pianotech] Business insurance/attitudes... > > Hello list > > A fellow technicians was asked if they had insurance...... > He in turn asked me what I thought. > > Upon reflection, it could make a very interesting discussion. > > Those that have, any stories of claims made and reason your glad you had it, those that > Don't, any stories of disaster and wishing you did have it? > > Below is my response..... > Tell me I'm wrong. Tell me why I should reconsider, or not. > > ---------------------------------------------------- > > I have no business insurance. > > On a few performance gigs at commercial clients, festivals, shopping centers, people > Are starting to ask for liability insurance. That can be had through the musicians union.... > > For us, in canada, PTG can not cover us, we would have to go through a commercial insurance agent. Expensive. > > Do i want to work for people that demand I spend more money on more administration, > Or be full with people that don't want to force me to spend more time, more energy, > More money, for the privilege of tuning their piano. I choose the later. > Clients invite me into their homes and establishments because they like my work, > They Ike me, and they trust me. If they don't trust me, and don't like me or want my work bad > Enough that did does not mitigate other administrative details then I'd rather not do it. > > It's usually just a piano tuning. > Do they want insurance from the person that vacuums the rug, waters the plants, plants a rose > 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? > > 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.... > But we are just turning screws, and adding pieces of paper or felt for the most part. > > Just an opinion.........I could be wrong..........I certainly have an attitude toward insurance companies. > > Cheers > Dave Renaud > </div> </div></body> </html>