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Scotty
PostPosted: Fri Feb 12, 2010 4:45 pm 
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Walnut
Walnut

Joined: Mon Feb 01, 2010 4:59 pm
Posts: 25
Focus: Repair
Status: Professional
Hello!

I'm somewhat new here, and thought I'd start off with a question: I have a home-based repair shop, and am looking for an insurance policy that would cover my shop area and any client instruments on hand. My homeowner's policy apparently will not cover this. Any thoughts are appreciated!

Thx!

Scott
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Hesh
PostPosted: Fri Feb 12, 2010 4:50 pm 
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Old Growth Brazilian Rosewood
Old Growth Brazilian Rosewood
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Joined: Fri Nov 02, 2007 9:49 am
Posts: 13651
Location: Ann Arbor, Michigan
First name: Hesh
Last Name: Breakstone
City: Ann Arbor
State: Michigan
Country: United States
Status: Professional
Hi Scotty and welcome to the OLF!

Try Heritage for insurance - they specialize in we Luthier types: http://www.heritage-ins-services.com/
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wbergman
PostPosted: Fri Feb 12, 2010 6:14 pm 
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Koa
Koa

Joined: Mon Dec 18, 2006 9:42 am
Posts: 1584
Location: United States
My homeowners agent claims that my home policy covers up to $5,000 in home business loss. I never studied the policy myself. I tried to get them to write a separate policy, but they don't do it.
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stan thomison
PostPosted: Fri Feb 12, 2010 6:30 pm 
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Contributing Member
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Joined: Mon Jan 03, 2005 7:46 am
Posts: 1315
Location: Branson, MO
First name: stan
Last Name: thomison
City: branson
State: mo
Zip/Postal Code: 65616
Country: united states
Focus: Build
Status: Professional
Yea Heritage. Most or at least a lot of home owners policies will cover home based businesses. One thing, and know this from doing insurance investigations, make sure shop is set up right with proper stuff. If finish that means dedicated room, exhaust fans, etc. If not and something happens, they will send a jerk like me and will be denied.
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Scotty
PostPosted: Fri Feb 12, 2010 9:33 pm 
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Walnut
Walnut

Joined: Mon Feb 01, 2010 4:59 pm
Posts: 25
Focus: Repair
Status: Professional
Hesh wrote:
Hi Scotty and welcome to the OLF!

Try Heritage for insurance - they specialize in we Luthier types: http://www.heritage-ins-services.com/



Very good - thank you!

Scott
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bluescreek
PostPosted: Fri Feb 12, 2010 9:35 pm 
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Brazilian Rosewood
Brazilian Rosewood

Joined: Mon Jan 28, 2008 5:21 am
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Location: Central PA
First name: john
Last Name: hall
City: Hegins
State: pa
Zip/Postal Code: 17938
Country: usa
Focus: Build
Status: Professional
Erie was the best coverage for my situation. Remember that your insurance is only as good as your agent.

_________________
John Hall
blues creek guitars
Authorized CF Martin Repair
Co President of ASIA
You Don't know what you don't know until you know it
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David LaPlante
PostPosted: Fri Feb 12, 2010 11:32 pm 
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Contributing Member
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Joined: Fri Jan 25, 2008 9:51 pm
Posts: 1134
Location: Albany NY
First name: David
Last Name: LaPlante
Status: Professional
Ditto on Heritage, talk to Joan Gallo or Ellis Hershman.
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peterm
PostPosted: Sat Feb 13, 2010 1:46 am 
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Brazilian Rosewood
Brazilian Rosewood
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Joined: Thu Oct 06, 2005 1:05 pm
Posts: 3350
Location: Bakersville, NC
Focus: Build
Status: Professional
Another thumbs up for Heritage...

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Cornerstone Guitars
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