[TheForge] Insurance

[Ed F]

Anyone out there work full time but occasionally forge a thing or two and
sell it?  Well if you have American Family Insurance, your home and shop are
not covered for fire or liability at ANY time - if you are blacksmithing at
the time an accident happens or not.  So the local agent says.

I'm shopping for new home insurance and was unhappy to hear that today.  The
agent brought up liability for personal injury as an example.  I said no
customers ever come to my shop.  I make furniture components for a company
50 miles away.  He said, no matter.  If a friend is over having a beer in
the garage (*not* forge) and the propane tank blows up and kills him, I'm
not covered.

The company I have now is 1000 miles away and who knows what loopholes they
have.  Besides wanting to give this warning - I'm really curious what other
smiths do.

Regards,
Ed