<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
<HTML><HEAD>
<META HTTP-EQUIV="Content-Type" CONTENT="text/html; =
charset=us-ascii">
<TITLE>Message</TITLE>
<META content="MSHTML 6.00.2900.2668" name=GENERATOR>
<STYLE></STYLE>
</HEAD>
<BODY bgColor=#ffffff>
<DIV><SPAN class=656111300-12082005><FONT face=Arial color=#0000ff =
size=2>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?</FONT></SPAN></DIV>
<DIV><SPAN class=656111300-12082005><FONT face=Arial color=#0000ff =
size=2></FONT></SPAN> </DIV>
<DIV><SPAN class=656111300-12082005><FONT face=Arial color=#0000ff =
size=2>Geoff
Sykes</FONT></SPAN></DIV>
<DIV><SPAN class=656111300-12082005><FONT face=Arial color=#0000ff =
size=2>Assoc.
Los Angeles</FONT></SPAN></DIV>
<DIV><SPAN class=656111300-12082005><FONT face=Arial color=#0000ff =
size=2></FONT></SPAN> </DIV>
<BLOCKQUOTE dir=ltr style="MARGIN-RIGHT: 0px">
<DIV></DIV>
<DIV class=OutlookMessageHeader lang=en-us dir=ltr =
align=left><FONT
face=Tahoma size=2>-----Original Message-----<BR><B>From:</B>
pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] <B>On =
Behalf Of
</B>Carl Meyer<BR><B>Sent:</B> Thursday, August 11, 2005 4:55 =
PM<BR><B>To:</B>
Pianotech<BR><B>Subject:</B> Re: Safeco business
insurance<BR><BR></FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<BLOCKQUOTE
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=anrebe@sbcglobal.net =
href="mailto:anrebe@sbcglobal.net">Andrew and
Rebeca Anderson</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> Thursday, August 11, =
2005 3:08
PM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: Safeco business
insurance</DIV>
<DIV><BR></DIV>I got a quote from them that has me looking for =
competing
bids.<BR>Andrew<BR>At 04:53 PM 8/11/2005, you wrote:<BR>
<BLOCKQUOTE class=cite cite="" type="cite"><FONT size=2>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? <BR> <BR>Don Bee, Sr., RPT<BR>Chicago
Chapter</FONT></BLOCKQUOTE>
<DIV><BR><FONT face=Arial size=2>Thanks for reminding me how =
much insurance
companies are like politicians, lawyers and child =
molesters.</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>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)</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>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?</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>I have no advice, except to bitch, =
bitch.bitch.
It won't do any good, but you'll feel better.</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>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.</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>Happy hunting,</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>Carl Meyer PTG assoc<BR>Santa =
Clara,
Ca.</FONT></DIV></BLOCKQUOTE></BLOCKQUOTE></BODY></HTML>