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<DIV><FONT face=Arial size=2>Dear Eliot,</FONT></DIV>
<DIV><FONT face=Arial size=2> That's very interesting about
the LDS church requiring liability insurance. And thanks for the
suggestion about Farmer's. I really need <EM>just</EM> liability insurance
rather than any tool insurance. Safeco (Potter, Leonard & Cahan)
requires you to buy tool and bailee insurance along with liability.</FONT></DIV>
<DIV><FONT face=Arial size=2>
All the
Best,</FONT></DIV>
<DIV><FONT face=Arial
size=2> Sean
Kelly</FONT></DIV>
<DIV> </DIV>
<BLOCKQUOTE
style="BORDER-LEFT: #000000 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px; PADDING-RIGHT: 0px">
<DIV style="FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV
style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black"><B>From:</B>
<A href="mailto:eliotlee1@cox.net" title=eliotlee1@cox.net>Eliot Lee</A>
</DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A href="mailto:pianotech@ptg.org"
title=pianotech@ptg.org>pianotech@ptg.org</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Friday, April 12, 2002 12:18
PM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: liability insurance</DIV>
<DIV><BR></DIV>on 4/12/02 1:24 AM, Sean Kelly at <A
href="mailto:skelly@du.edu">skelly@du.edu</A> wrote:<BR><BR>
<BLOCKQUOTE><FONT size=2><FONT face=Arial>Dear Fellow
Tuners,<BR> While doing my taxes I realized that my tuning
insurance has gone up quite a bit this last year. Potter, Leonard
& Cahan require us to include tool and bailee insurance in the minimum
package whereas I'm really just interested in liability insurance. Has
anyone explored any other insurance options?
<BR> <BR> Respectfully,<BR> Sean
Kelly, RPT<BR></FONT></FONT><BR><BR></BLOCKQUOTE><BR>I tune for the LDS church
and they require liability insurance, the insurance you are referring to is
Safeco insurance. I am spending $720/year for that.<BR>I am supposed to
have tool coverage with that, and computer coverage, which I found out when I
had to replace my logic board. Their deductible is $1000! That is
almost the cost of the computer itself. So as always money goes in one
direction.....<BR>The deductible for tool loss is $250 which is better.
I think if you are using an accutuner that is considered a tuning tool
not a computer and would get better coverage.<BR>I know Farmers' offers a
liability insurance, but to remove the hassle of tracking down low prices, I
just went ahead with Safeco as they have a specific category for piano
technicians. </BLOCKQUOTE></BODY></HTML>