[TheForge] Insurance

Wed Jan 29 14:53:04 2003

When we were doing small stuff like jewelry and knife finishing (not
forging) in the business, State Farm added on a business rider to our
homeowner's policy.  They asked us to put treads on the stairs down to our
basement as the only requirement.  I doubt that State Farm would have done
it if it would have involved a forge or welder.   If Am Fam doesn't cover
that type of home workshop, then ask an auto repair shop who provides their
coverage.

Auto Owner's Insurance is the only place in this area that will cover a
blacksmithing type business, which they categorize in there with welding
shops and auto repair shops.
-Kirsten
----- Original Message -----
From: "Ed F" <[email protected]>
To: <[email protected]>
Sent: Tuesday, January 28, 2003 6:46 PM
Subject: [TheForge] Insurance

> 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
>
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