<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <html> <head> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; = charset=us-ascii"> <meta name=Generator content="Microsoft Word 10 (filtered)"> <title>Message</title> <style>  </style> </head> <body bgcolor=white lang=EN-US link=blue vlink=blue> <div class=Section1> You have insurance in the hopes you = will never use it.  Odd thing that.  If you cart around actions, = have other people’s pianos in your shop, show a propensity to barf on = Ms. Smiths new carpet, or any other such things that can be hazardous to = your bottom line, it’s best to get some.    <div> David Love davidlovepianos@comcast.net<= /font> = </div> -----Original = Message----- From: = pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] On Behalf Of Geoff Sykes Sent: Thursday, August = 11, 2005 5:19 PM To: 'Pianotech<fon= t size=2 face=Tahoma>' Subject: RE: Safeco = business insurance   <div> Being relatively = new to this business I have no piano service related insurance. And while I = have yet to actually ask any of the members in my local PTG chapter if they carry = any, I've thought about its value. Therefore, how many techs out there = actually have insurance? How many times have you actually needed it and/or were glad = you had it? In other words, is it worth investing in yet another insurance crap = shoot in order to keep myself "protected" from the masses in our = overly litigation inspired society? </div> <div>   </div> <div> Geoff = Sykes </div> <div> Assoc. Los = Angeles </div> <div>   </div> <blockquote = style='margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt'> -----Original Message----- From: = pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] On Behalf Of Carl Meyer Sent: Thursday, August = 11, 2005 4:55 PM To: Pianotech Subject: Re: Safeco = business insurance <div>   </div> <blockquote style='border:none;border-left:solid black = 1.5pt;padding:0in 0in 0in 4.0pt; margin-left:3.75pt;margin-top:5.0pt;margin-right:0in;margin-bottom:5.0pt'= > <div> ----- Original Message = ----- </div> <div style='font-color:black'> From:</span= > <a href="mailto:anrebe@sbcglobal.net" = title="anrebe@sbcglobal.net">Andrew and Rebeca Anderson</a> </div> <div> To:<= /font> <a href="mailto:pianotech@ptg.org" = title="pianotech@ptg.org">Pianotech</a> </div> <div> Sent:</span= > Thursday, August 11, 2005 3:08 PM </div> <div> Subject:</s= pan> Re: Safeco business insurance </div> <div>   </div> I got a quote from them that has me looking = for competing bids. Andrew At 04:53 PM 8/11/2005, you wrote: 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?    Don Bee, Sr., RPT Chicago Chapter <div> Thanks for reminding me how much insurance companies are like politicians, lawyers and child molesters. </div> <div>   </div> <div> 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) </div> <div>   </div> <div> 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? </div> <div>   </div> <div> I have no advice, except to = bitch, bitch.bitch. It won't do any good, but you'll feel = better. </div> <div>   </div> <div> 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. </div> <div>   </div> <div> Happy = hunting, </div> <div>   </div> <div> Carl Meyer PTG assoc Santa Clara, Ca. </div> </blockquote> </blockquote> </div> </body> </html>