<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML><HEAD> <META http-equiv=Content-Type content="text/html; = charset=iso-8859-1"> <META content="MSHTML 6.00.2900.2722" name=GENERATOR> <STYLE></STYLE> </HEAD> <BODY bgColor=#ffffff> <DIV><FONT face=Arial size=2></FONT> </DIV> <BLOCKQUOTE style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; = BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px"> <DIV style="FONT: 10pt arial">----- Original Message ----- </DIV> <DIV style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: = black"><B>From:</B> <A title=anrebe@sbcglobal.net = href="mailto:anrebe@sbcglobal.net">Andrew and Rebeca Anderson</A> </DIV> <DIV style="FONT: 10pt arial"><B>To:</B> <A = title=pianotech@ptg.org href="mailto:pianotech@ptg.org">Pianotech</A> </DIV> <DIV style="FONT: 10pt arial"><B>Sent:</B> Thursday, August 11, 2005 = 3:08 PM</DIV> <DIV style="FONT: 10pt arial"><B>Subject:</B> Re: Safeco business insurance</DIV> <DIV><BR></DIV>I got a quote from them that has me looking for = competing bids.<BR>Andrew<BR>At 04:53 PM 8/11/2005, you wrote:<BR> <BLOCKQUOTE class=cite cite="" type="cite"><FONT size=2>To the = list:  Just got a renewal notice from Safeco that my insurance will be = raised 32% for the upcoming year!! Has anybody else encountered something like this?  <BR> <BR>Don Bee, Sr., RPT<BR>Chicago Chapter</FONT></BLOCKQUOTE> <DIV><BR><FONT face=Arial size=2>Thanks for reminding me how much = insurance companies are like politicians, lawyers and child = molesters.</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>When I started to fix pianos, install = pianocorders etc. I got a liability etc policy from a broker for about = 750 dollars a year. (that was about what I was making)</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>State Farm then told me they were = getting in the business.  I got a policy from them for about $450 a year.  = Next year they raised it to $550. Next year $1250.  I reluctantly paid = it until they then raised it to $2500.  It was obvious they wanted = to get out of the business.  Nobody would talk to me for less than = $2500.  That was when I signed up for the PTG for about $250 a year.  = Last payment was was about $550.  I've never filed a clain (The = insurance companies will say "well you're about due")  If Safeco is = listening I have one thing to say "UP YOURS".  When my payment is due, guess = what? Hasta la vista baby.  Has anybody tried Lloyds of London?  = They insure boobs, so why not piano techs?</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>I have no advice, except to bitch, = bitch.bitch. It won't do any good, but you'll feel better.</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>When you shop for insurance, make = sure it includes "products liability".  that is very important if you = install after market equipment such as Pianodisc or Pianomation.  I still = install the occasional Pianocorder with interface to the computer so I am = somewhat vunerable.  Electrical installation can be a problem for liability.</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>Happy hunting,</FONT></DIV> <DIV><FONT face=Arial size=2></FONT> </DIV> <DIV><FONT face=Arial size=2>Carl Meyer PTG assoc<BR>Santa Clara, Ca.</FONT></DIV></BLOCKQUOTE></BODY></HTML>