[TheForge] Insurance (Re: Equipment for a newbie)

[Paul N]

Thanks Jer,
I suppose not insuring the shop is an option that I can ask about. Mine 
will also be a good 100' or more from the house.

I'm planning on running both coal and gas forges, as well as some 
welding. While I don't intend to run it as a commercial business, I do 
hope to finance my hobby through some occasional sales.

**paul

On 11/10/10 7:34 PM, Jerry Frost wrote:
>
> ----- Original Message -----
> From: "Paul N"<crosspein at sbcglobal.net>
> To: "Blacksmithing List Sponsored by ABANA"<theforge at mailman.qth.net>
> Sent: Wednesday, November 10, 2010 6:07 PM
> Subject: [TheForge] Insurance (Re: Equipment for a newbie)
>
>
>> Is "don't ask, don't tell" the common approach to insurance for home
>> shops?
>>
>> I shop insurance was discussed some time ago. (I guess I should practice
>> what I tell my kids: "Just because you're not interested now, doesn't
>> mean you will never be. Pay attention!") And things change.
>>
>> Anyway, I'm hoping to build a "retirement" home in the next couple of
>> years, with a stand-alone shop. As I get ready to inquire about
>> insurance for my shop, what kinds of things should I ask? What topics
>> should I avoid under the guise of "don't ask", and what kinds of
>> alternative descriptions might be acceptable to make the shop insurable
>> at an affordable rate?
>>
>> thanks,
>> **paul
>>
>>
>
> I don't recommend "don't ask don't tell" as a policy if you expect insurance
> to pay off on an accident involving whatever you're hiding from them. I
> probably shouldn't've said what I did but I did. I've been building and
> using propane burners for probably a good 20 years now and have never had an
> accident. I don't take that as a given though and don't take any chances
> anyway. Regardless of my record, knowledge, etc. we probably couldn't afford
> fire insurance on the house even though the forge isn't within 120' of it.
>
> Even though I'm near anally careful with all my fire breathing tools I don't
> carry fire insurance on the shop at all. It's all steel and concrete outside
> the furniture, someday, interior walls and the firewood stack. Just being a
> hot shop, meaning welding and torchwork is enough to drive insurance rates
> up considerably. Heck, the wood stove will do that.
>
> The last I heard ABANA was working on doing some collective bargaining on
> insurance for members. You might ask Paul or Rome.
>
> Jer
>
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