[TheForge] insurance

[Peter Fels & Phoebe Palmer]

We make a living at this and need to cover our shop/studios.

dann at wctatel.net wrote:
> 
> Five or so years ago, I had an insurance issue respective to my farm shop.
> 
> As long as it was just for my own farm repair, I had coverage. However
> when I mentioned  doing "blacksmithing" it raised a red flag. The
> insurance company notified me that they were going to drop me.
> 
> At first I thought it related to the potential liability of doing custom
> work and welding,  but it  went farther than that.  Even making for items
> to sell at Rendez Vous &  Ren Faires would result in the underwriter
> dropping my insurance.
> 
> Farm use as OK, as long as it wasn't being used for "commercial" purposes.
> As a result of my mentioning "blacksmithing"  I had to sign a rider that
> my shop would not be used for commercial purposes, to keep my farm policy.
> 
> The scope of the issue was that they were dropping all  my insurance on
> all of my farm buildings.  They way I understood it, even me buying a
> separate policy for the shop, I still couldn't get them to "just" exclude
> my farm shop.  That ended my thoughts of trying to turn the hobby into 
> generating some income.  A separate, 2nd "off farm"  blacksmith shop
> wasn't in the cards for me.
> 
> Dann
> 
>> What carrier/ company?
>> L Brown
>>
>>
>> At 07:36 AM 2/12/2010 -0500, you wrote:
>>> I just got sent a letter from my insurance company that my insurance will
>>> be
>>> dropped on 4/24/2010 because they are no longer insuring railing
>>> companies.
>>> Isn't that a load of crap.
>>> --
>>> John Allen
>>> Country Metals, LLC
>>> (856) 542-4316 (cell)
>>> (856) 504-0087 (fax)
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> 
> 
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