[TheForge] shop insurance

[Phil]

Unfortunately, you better read the policy yourself and if you don't understand it, have someone else read it.  We asked our agent if a particular thing was covered under our policy and he said "oh sure".  Well, a year or so later we had to make a claim and the insurance company (not the agent) declared that it was not covered under our policy.  It was an expensive lesson.

Phil Rosche

>It is critical to talk to your insurance agent not only could you 
>find yourself not covered for the shop and equipment you might also 
>find that you would not have your homeowners coverage if they 
>determined the damage was caused by your running a business out of 
>your home. As Andy noted they don't want to pay out and if they can 
>get out of it they will, so make sure you are properly covered it is 
>a necessary expense of doing business.
>
>Jim
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