Lili Krakowski on thu 12 jun 08
The road to hell is paved with good intentions. Dante said it first, and
with a different meaning. But doing kind things can have dire results.
Before you remotely consider letting someone share your studio talk to your
insurance agent! PLEASE! The renter slips and breaks a leg; the renter is
an amateur potter but professional surgeon, breaks a finger in your pug
mill; the renter does whatever and a third party gets "injured". PLEASE...
I know I am hateful, call me names (it's happened before on ClayArt) but the
happy-go-luckiness of potters just is scary.
I have cautioned many a time about insurance and raku parties, insurance and
little gaggles of schoolkids visiting your studio, or your giving classes at
home....
Just to tell you one story (have told this before) of Life as She Is
Endured!
A woman teaching a "senior" class at a local college, invited her students
to a Christmas gathering at her house. The next week she cancelled it.
Why? Because her husband had checked with their insurance company, and--(I
think I got this right) their liability insurance did not cover this: these
"invitees" were not friends, but an extension of her professional contacts
and not covered, blah, blah blah. The college also did not cover this event
because it was not an
official college event. In other words if someone had choked on a canapé,
or fallen on the stairs....disaster for the hosts.
If I were in charge it would be a better world. I am not.
Lili Krakowski
Be of good courage
Larry Kruzan on thu 12 jun 08
>>>>>>>>>>The road to hell is paved with good intentions. Dante said it
first, and
with a different meaning. But doing kind things can have dire results.
Before you remotely consider letting someone share your studio talk to =
your
insurance agent! PLEASE! The renter slips and breaks a leg; the renter =
is
an amateur potter but professional surgeon, breaks a finger in your pug
mill; the renter does whatever and a third party gets "injured". =
PLEASE...
<<<<<<<<<<<<<
A woman teaching a "senior" class at a local college, invited her =
students
to a Christmas gathering at her house. The next week she cancelled it.
Why? Because her husband had checked with their insurance company, =
and--(I
think I got this right) their liability insurance did not cover this: =
these
"invitees" were not friends, but an extension of her professional =
contacts
and not covered, blah, blah blah. The college also did not cover this =
event
because it was not an
official college event. In other words if someone had choked on a =
canap=E9,
or fallen on the stairs....disaster for the hosts.
>>>>>>>>>>>>>>
Well said Lili - Last year I had a couple apprentices, one worked out ok =
the
other was a dud but that is not why I do NOT have one this year. =
Illinois
lawmakers passed amendments to our workers compensation laws that now
defines apprentices, unpaid or other wise, as employees and therefore we
would be subject to paying workers comp insurance on them - The price =
tag
would be $1,500 per. =20
Same goes for high school kids you might pay to mow the lawn around the
studio - be careful they just might be employees you did not know you =
had.
Students who pay a tuition are not considered employees but you had =
better
have enough liability ins. to cover them in case there is an issue. The
most expensive help you can ever hire is a friend who drops in an gives =
you
a hand moving some clay.
It sucks but that is the world we live in today, lawmakers, insurance
companies, lawyers all see you and me as cash cows - and they are =
milking
for all they are worth.
Larry Kruzan
Lost Creek Pottery
www.lostcreekpottery.com
Clayart SCtag on fri 13 jun 08
I wondered about this as we have open studios here in our city and complete=20=
=20
strangers are welcome to visit artist's studios who normally are not =20
hosting the public.I had mentioned to several that it would behove the city=20=
to look=20
into getting an umbrella policy for the event to cover the artsits =20
involved.NEVER HAPPENED.
=20
=20
In a message dated 6/12/2008 11:06:59 A.M. Eastern Daylight Time, =20
mlkrakowski@CITLINK.NET writes:
The road to hell is paved with good intentions. Dante said it first, and
with a different meaning. But doing kind things can have dire results.
Before you remotely consider letting someone share your studio talk to your
insurance agent! PLEASE! The renter slips and breaks a leg; the renter is
an amateur potter but professional surgeon, breaks a finger in your pug
mill; the renter does whatever and a third party gets "injured". PLEASE..=
.
I know I am hateful, call me names (it's happened before on ClayArt) but th=
e
happy-go-luckiness of potters just is scary.
I have cautioned many a time about insurance and raku parties, insurance an=
d
little gaggles of schoolkids visiting your studio, or your giving classes a=
t
home....
Just to tell you one story (have told this before) of Life as She Is
Endured!
A woman teaching a "senior" class at a local college, invited her studen=
ts
to a Christmas gathering at her house. The next week she cancelled it.
Why? Because her husband had checked with their insurance company, and--(I
think I got this right) their liability insurance did not cover this: thes=
e
"invitees" were not friends, but an extension of her professional contacts
and not covered, blah, blah blah. The college also did not cover this even=
t
because it was not an
official college event. In other words if someone had choked on a canap=
=E9,
or fallen on the stairs....disaster for the hosts.
If I were in charge it would be a better world. I am not.
Lili Krakowski
Be of good courage
**************Vote for your city's best dining and nightlife. City's Best=20
2008. (http://citysbest.aol.com?ncid=3Daolacg00050000000102)
Lois Aronow on fri 13 jun 08
If you have commercial liability insurance for your space and business, =
you
should be covered for this. =20
that said, it is very easy to get event liability insurance. I recently
bought a 1M/2M policy for a 4 day show i did. i was required by the =
event
coordinator to have it, as were the other hundred exhibitors. I needed =
this
insurance above and beyond what i had. it was pretty easy and worth it. =
=20
> -----Original Message-----
> From: Clayart [mailto:CLAYART@LSV.CERAMICS.ORG] On Behalf Of=20
> Clayart SCtag
> Sent: Friday, June 13, 2008 12:54 PM
> To: CLAYART@LSV.CERAMICS.ORG
> Subject: Re: studio space rental: CAUTIONARY NOTE!!!
>=20
> I wondered about this as we have open studios here in our=20
> city and complete strangers are welcome to visit artist's=20
> studios who normally are not hosting the public.I had=20
> mentioned to several that it would behove the city to look=20
> into getting an umbrella policy for the event to cover the=20
> artsits involved.NEVER HAPPENED.
> =20
> =20
>=20
> In a message dated 6/12/2008 11:06:59 A.M. Eastern Daylight=20
> Time, mlkrakowski@CITLINK.NET writes:
>=20
> The road to hell is paved with good intentions. Dante said=20
> it first, and with a different meaning. But doing kind=20
> things can have dire results.
>=20
> Before you remotely consider letting someone share your=20
> studio talk to your insurance agent! PLEASE! The renter=20
> slips and breaks a leg; the renter is an amateur potter but=20
> professional surgeon, breaks a finger in your pug mill; the=20
> renter does whatever and a third party gets "injured". PLEASE...
>=20
> I know I am hateful, call me names (it's happened before on=20
> ClayArt) but the happy-go-luckiness of potters just is scary.
> I have cautioned many a time about insurance and raku=20
> parties, insurance and little gaggles of schoolkids visiting=20
> your studio, or your giving classes at home....
>=20
> Just to tell you one story (have told this before) of Life=20
> as She Is Endured!
>=20
> A woman teaching a "senior" class at a local college, =20
> invited her students
> to a Christmas gathering at her house. The next week she =20
> cancelled it.
> Why? Because her husband had checked with their insurance=20
> company, and--(I think I got this right) their liability =20
> insurance did not cover this: these "invitees" were not=20
> friends, but an extension of her professional contacts and=20
> not covered, blah, blah blah. The college also did not=20
> cover this event because it was not an official college=20
> event. In other words if someone had choked on a canap=E9, or=20
> fallen on the stairs....disaster for the hosts.
>=20
> If I were in charge it would be a better world. I am not.
>=20
>=20
> Lili Krakowski
>=20
> Be of good courage
>=20
>=20
>=20
>=20
>=20
> **************Vote for your city's best dining and nightlife.=20
> City's Best=20
> 2008. (http://citysbest.aol.com?ncid=3Daolacg00050000000102)
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