[TheForge] Teaching blacksmithing and insurance

Sat Dec 6 17:14:00 2003

Folks:  I have not found an underwriter for teaching, either.  My carrier
for general insurance (Hartford) will not insure students, even in my own
shop, much lass at demos.  Being a sole-proprietor, I'm completely on the
hook re personal assets.

What I have done, following legal advice, is to have the students
acknowledge and sign a carefully worded hold-harmless agreement (waiver).
The courts in CA generally adhere to the concept of assumed risk.  As long
as you are not negligent, you will likely prevail.  However, this does not
prevent the initiation of a suit.

Most community colleges and other large institutions are self-insured.  I
would be interested in knowing of any companies that would underwrite a
teaching environment or demo myself.   Expect the premiums to be huge.

Grant
----- Original Message ----- 
From: "Phlip" <[email protected]>
To: <[email protected]>
Sent: Saturday, December 06, 2003 1:16 PM
Subject: Re: [TheForge] Teaching blacksmithing and insurance

>
> When in doubt, ask Lloyd's of London- those folks will insure anything.
>
> Saint Phlip,
> CoDoLDS
>
> "When in doubt, heat it up and hit it with a hammer."
>  Blacksmith's credo.
>
>  If it walks like a duck, and quacks like a duck, it is probably not a
> cat.
>
> Never a horse that cain't be rode,
> And never a rider who cain't be throwed....
>
> ----- Original Message -----
> From: "Bob Ehrenberger" <[email protected]>
> To: "theforge" <[email protected]>
> Sent: Saturday, December 06, 2003 4:11 PM
> Subject: [TheForge] Teaching blacksmithing and insurance
>
>
> > BAM is trying to get an ongoing training program under way.  What we are
> > doing is we have a trailer full of equipment, enough for 10 forging
> > stations. We want to take this trailer to various locations in the state
> > (Missouri) and put on classes for our members, or members to be.
> >
> > We didn't have any problems initially, when the classes were all being
> held
> > in Lou Mueller's shop. But when we asked about changing locations for
each
> > class and using members as teachers the insurance carrier decided to
pass.
> > They have contacted several ins. co. haven't come up with anything yet.
> >
> > Do any of you have a similar program?  What are you doing for insurance?
> Any
> > suggestions?
> >
> > I'm not in charge of this project, but am on the list to host next
spring
> > and would like to have these things ironed out by then.
> >
> > Robert Ehrenberger
> > Shelbyville, Mo.
> >
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