<DIV>Dean,</DIV> <DIV> </DIV> <DIV>I guess I was kind of kidding around with my last sentence. Really though, our industry isn't being singled out. They are asking these requirements from everyone. Litigation is becoming a major issue for everyone in this country. </DIV> <DIV>Bob Russell, RPT Dean May <deanmay@pianorebuilders.com> wrote:</DIV> <BLOCKQUOTE class=replbq style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #1010ff 2px solid"> <META content=Word.Document name=ProgId> <META content="Microsoft Word 9" name=Generator> <META content="Microsoft Word 9" name=Originator><LINK href="cid:filelist.xml@01C46A47.05DF7790" rel=File-List> <STYLE>  </STYLE> <DIV class=Section1> >>List, this is becoming commonplace for institutions. It's really not a bad idea to have this coverage. Not only do you, as a sole proprietor have to this coverage, but if you have subcontractors, they have to also. <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p> In fact, many want you to have liability coverage as well. <o:p></o:p> What do these people think we are, professional business owners?<o:p></o:p>  <o:p></o:p>  <o:p></o:p>  <o:p></o:p> No, they think we lack the integrity to cover our own expenses and not hold them liable. They truly do think we are unprofessional and morally bankrupt to require us to carry the coverage. There are still enough customers out there who don’t require it. I’d let this one go. <o:p></o:p>  <o:p></o:p>  <o:p></o:p> Dean<o:p></o:p>  <o:p></o:p> Dean May             cell 812.239.3359<o:p></o:p> PianoRebuilders.com   812.235.5272<o:p></o:p> Terre Haute IN  47802<o:p></o:p>  <o:p></o:p>  <o:p></o:p></DIV></BLOCKQUOTE>