[TheForge] Insurance

Wed Jan 29 19:48:02 2003

I am a part time blacksmith who sells a few things over the internet
www.blksmth.com.  I've had to purchase separate insurance for my stick built
shop and business which is in my garage behind my house.  It cost me approx.
$1,300 per year, which I don't like.  Even at that, they do not like the
fact that I have electric welders, gas welders, coal and gas forges.  They
get nervous when I talk about them.

Dick

----- 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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