[TheForge] Insurance

Wed Jan 29 19:52:00 2003

I have separate business insurance for my "business" which covers 
liability, theft, etc. and I have added insurance for my shop building,
which is not at the house and all together I pay about $1200 a year.

Ray Miller
Cincinnati

On Wednesday, January 29, 2003, at 07:44 PM, Dick Nietfeld wrote:

> 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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