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

[Paul N]

I've been polling others that I know that have "home" shops with indoor 
forges, and it seems that in general, the insurance agents are more 
concerned about wood burning stoves for heat then the forges (either 
coal or home-built gas). My assumption is that they only understand the 
stoves, and the forges are too much of an unknown to make the actuarial 
tables.

I'm continuing to look, and I'm actually kind of encouraged by what I'm 
learning. One thing for sure is, if I get a verbal OK on a shop with a 
forge, I'm going to insist I get it in writing.

Thanks for the discussion
**paul

On 11/13/2010 6:51 PM, Jerry Frost wrote:
> We have a farm rider on our insurance too but it's limited coverage, mostly
> for personal injuries if a barn cleaning teenager is maulled by a pygmy
> goat. The wood stove in the house bumps our insurance a couple hundred a
> year and I wouldn't want to even hear what they said about a home made
> propane forge. Of course it'd probably be something like NO!
>
> Jer
> ----- Original Message -----
> From: "Jerry Smith"<jerry_smith at anvilsandinkstudios.com>
> To: "Blacksmithing List Sponsored by ABANA"<theforge at mailman.qth.net>
> Sent: Saturday, November 13, 2010 4:07 PM
> Subject: Re: [TheForge] Insurance (Re: Equipment for a newbie)
>
>
> Because I live and work a farm, my shop is covered, but that insurance is
> not
> cheap.
>
> Jerry
>
>
>
>
> ________________________________
> From: Kim George<klgeorge at kent.edu>
> To: Blacksmithing List Sponsored by ABANA<theforge at mailman.qth.net>
> Sent: Fri, November 12, 2010 11:34:54 PM
> Subject: Re: [TheForge] Insurance (Re: Equipment for a newbie)
>
> That insurance agent is probably wrong.I had some storm damage and the
> adjuster agreed to cover the damage but a second adjuster came later
> and said they couldn't cover the shop under the house policy. That I
> had to get a commercial policy. I have a coal stove and a coal forge.
>