<HTML> <HEAD> <TITLE>Re: liability insurance</TITLE> </HEAD> <BODY> on 4/12/02 1:24 AM, Sean Kelly at skelly@du.edu wrote: <BLOCKQUOTE>Dear Fellow Tuners,    While doing my taxes I realized that my tuning insurance= has gone up quite a bit this last year.  Potter, Leonard & Cahan r= equire us to include tool and bailee insurance in the minimum package wherea= s I'm really just interested in liability insurance.  Has anyone explor= ed any other insurance options?             &n= bsp;            =             &nbs= p;                      &n= bsp;            =             &nbs= p;     Respectfully,             &n= bsp;            =             &nbs= p;  Sean Kelly, RPT </BLOCKQUOTE> I tune for the LDS church and they require liability insurance, the insuran= ce you are referring to is Safeco insurance.  I am spending $720/year f= or that. 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 al= ways money goes in one direction..... 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 w= ould get better coverage. I know Farmers' offers a liability insurance, but to remove the hassle of t= racking down low prices, I just went ahead with Safeco as they have a specif= ic category for piano technicians. </BODY> </HTML>