<!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 id=role_body style="FONT-SIZE: 12pt; COLOR: #000000; =
FONT-FAMILY: Verdana"
bottomMargin=7 bgColor=#ffffff leftMargin=7 topMargin=7 =
rightMargin=7>
<DIV><FONT face="Verdana Ref" size=2>Absolutely. Insurance =
companies are
highly regulated. When I worked at Transamerica (eons ago), they =
didn't
even own the furniture we used, because they had to stay liquid to =
settle
possible claims. They also have a big dependency on the stock =
market for
their income; when that's down, there are cost pressures, too. =
It's real
tough in smaller states like WV, where it's harder to spread the risks
around.</FONT></DIV>
<DIV><FONT face="Verdana Ref" size=2></FONT> </DIV>
<DIV><FONT face="Verdana Ref" size=2>I was told that the first step =
in business
liability protection was to bump up my car liability to the limits =
first, and
then add on from there. I suppose that answer varies by state, =
too.
Are there alternatives to Safeco for business liability and tool
insurance? (I remember a horror story here about pulling a piano =
out from
a wall and causing $3000 of damage to a new hardwood floor...
ouch!).</FONT></DIV>
<DIV><FONT face="Verdana Ref" size=2></FONT> </DIV>
<DIV><FONT face="Verdana Ref" size=2>--Cy--</FONT></DIV>
<BLOCKQUOTE dir=ltr
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=tompiano@bellsouth.net =
href="mailto:tompiano@bellsouth.net">Tom
Servinsky</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> Friday, August 12, 2005 =
6:22
AM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: Safeco business
insurance</DIV>
<DIV><FONT face="Verdana Ref" size=2></FONT><BR></DIV>
<DIV><FONT face=Arial size=2>For what it's worth...Safeco is =
pulling
completely out of Florida for homeowners insurance. Can't help but =
think that
the devastating last year of hurricane damaged homes (that =
companies like
Safeco had to pay out), is affecting their underwriting policies and =
prcings
for the every type of coverage.</FONT></DIV>
<DIV><FONT face=Arial size=2>Tom Servinsky</FONT><FONT =
id=role_document
face=Verdana color=#000000 =
size=3></DIV></BLOCKQUOTE></FONT></BODY></HTML>