<HTML>In a message dated 10/26/01 10:07:03 PM !!!First Boot!!!, jbaird@fgi.net writes: <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">Although I have had many piano actions in my shop before, I would like to hear from others about the amount of insurance that is advisable. I will soon have a 12 year old Steinway L action in my shop. If it should be destroyed, would the $10,000 Bailees and $10,000 Cargo coverage I now have through PTG be enough? There's the cost of the new action itself, of course, but then the considerable cost of time spent making the action feel at home in its new host. Other considerations? Thanks, John Baird </BLOCKQUOTE> John Although the insurance you have might cover the cost of replacing an action, in the event the action is destroyed, and you had to buy a new one from Steinway, the customer might come back and say the piano just doesn't sound and play the way it used to, and force you to buy a whole new piano. Therefore, you might want to consider getting a short term rider on your present coverage, increasing the amount of insurance for a short period of time to cover the cost of replacing the piano. Talk to Jerry about this. The cost would be very minimal. Yes, you should also ask your customer to check with their insurance to see if the action and the whole piano is covered, but I would still get the extra insurance to protect yourself. Insurance companies have way of not paying claims if they think they can get away with it. For the few dollars it will cost you for the rider, it is better to be protected all the way on your own. Wim </HTML>