Warren Smith on wed 3 feb 99
I am searching for information on liability insurance for ceramic
artists.Of particular interest would be company names and
costs/coverages of insurance.
Thanks,
Warren Smith
Michel Bayne on thu 10 jun 04
Hi, My wife and I have just recently a clay studio that we will be =
working in and also be having classes for adults and kids. What is the =
most economical way to cover ourselves from being sued if someone got =
hurt taking a class. We leave on a farm with about 5 acres Our studios =
are on the premises. Someone had suggested LLC and another suggested =
Incorporating.At this point i dont know if the classes will payfor the =
utilities and gas and any kind of liability insurance that we may get. =
My kids classes start in July and adult classes start next week. I have =
1 student in the afternoon and 1 student in the evening class. Any =
suggestions would be appreciated. Michel Bayne
=20
www.michelbayne.com
Mcavoy, Barbara on thu 10 jun 04
I just got business insurance through RLI for ceramics. Here is the link.
You may want to check it out.
Barb McAvoy
-----Original Message-----
From: Clayart [mailto:CLAYART@LSV.CERAMICS.ORG] On Behalf Of Michel Bayne
Sent: Thursday, June 10, 2004 8:52 AM
To: CLAYART@LSV.CERAMICS.ORG
Subject: liability insurance
Hi, My wife and I have just recently a clay studio that we will be working
in and also be having classes for adults and kids. What is the most
economical way to cover ourselves from being sued if someone got hurt
taking a class. We leave on a farm with about 5 acres Our studios are on
the premises. Someone had suggested LLC and another suggested
Incorporating.At this point i dont know if the classes will payfor the
utilities and gas and any kind of liability insurance that we may get. My
kids classes start in July and adult classes start next week. I have 1
student in the afternoon and 1 student in the evening class. Any
suggestions would be appreciated. Michel Bayne
www.michelbayne.com
____________________________________________________________________________
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Kathi LeSueur on thu 10 jun 04
bayne3118@BELLSOUTH.NET wrote:
>Hi, My wife and I have just recently a clay studio that we will be working in and also be having classes for adults and kids. What is the most economical way to cover ourselves from being sued if someone got hurt taking a class.>>
>
I'm not sure that economical is possible. But in any case, you need to
see and independent agent who writes commercial insurance. The agent can
probably write a combined home/studio policy. You need at least one
million in liability. More is better. We carry 5 million and we don't
have classes. An independent agent represents multiple companies and
will find one that best suits your needs. The agent works for you, not
the company. If you have a loss you can have your agent deal with the
claims adjuster if you are having difficulties.
Kathi
Mcavoy, Barbara on thu 10 jun 04
Forgot the link sorry, http://www.rlicorp.com/Products/ihb.asp
Barb McAvoy
-----Original Message-----
From: Clayart [mailto:CLAYART@LSV.CERAMICS.ORG] On Behalf Of Michel Bayne
Sent: Thursday, June 10, 2004 8:52 AM
To: CLAYART@LSV.CERAMICS.ORG
Subject: liability insurance
Hi, My wife and I have just recently a clay studio that we will be working
in and also be having classes for adults and kids. What is the most
economical way to cover ourselves from being sued if someone got hurt
taking a class. We leave on a farm with about 5 acres Our studios are on
the premises. Someone had suggested LLC and another suggested
Incorporating.At this point i dont know if the classes will payfor the
utilities and gas and any kind of liability insurance that we may get. My
kids classes start in July and adult classes start next week. I have 1
student in the afternoon and 1 student in the evening class. Any
suggestions would be appreciated. Michel Bayne
www.michelbayne.com
____________________________________________________________________________
__
Send postings to clayart@lsv.ceramics.org
You may look at the archives for the list or change your subscription
settings from http://www.ceramics.org/clayart/
Moderator of the list is Mel Jacobson who may be reached at
melpots@pclink.com.
Jeanette Harris on thu 10 jun 04
Mike, check with your current insurance underwriter to see if you can
get a liability "umbrella" policy. Since this is associated with
your dwelling, it will run around $300 per year for a million dollars
in coverage.
Sounds like a lot of coverage, but that is the MINIMUM these days.
It's something like one in three individuals will be involved in a
lawsuit during their lifetime.
Not intended to scare you--all power to you in offering classes, just
make sure you and your family are protected.
>Hi, My wife and I have just recently a clay studio that we will be
>working in and also be having classes for adults and kids. What is
>the most economical way to cover ourselves from being sued if
>someone got hurt taking a class. We leave on a farm with about 5
>acres Our studios are on the premises. Someone had suggested LLC and
>another suggested Incorporating.At this point i dont know if the
>classes will payfor the utilities and gas and any kind of liability
>insurance that we may get. My kids classes start in July and adult
>classes start next week. I have 1 student in the afternoon and 1
>student in the evening class. Any suggestions would be appreciated.
>Michel Bayne
>
>www.michelbayne.com
>
--
Jeanette Harris
in Poulsbo WA
Cindy Moore on mon 7 jan 08
Can anyone suggest a company for liability insurance for artists?
Thanks
Susan Fox Hirschmann on mon 7 jan 08
I have a combined studio policy and Liability insurance with State Farm. I
found them to be the best, tho I got a great rate bec. I have other polices
with them.
Good luck!
Susan
Annandale, VA
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Teresa Wooden on tue 8 jan 08
I had State Farm for general liability (someone trips on the carpet in your
booth, etc.), but they would not do product liability.
For that I went through a local agent and set up a policy with Accuity.
You can't go directly through them...have to go through an agent. You can
get $2-million coverage on product liability for about $150 per year, in
addition to general liability (small extra charge).
If you are selling anything that can be heated or eaten off of, I don't
think you can be too cautious.
Teresa Wooden
Eleanora Eden on wed 9 jan 08
Awhile back the CERF bulletin had an article about a whole bunch of
companies selling such insurance.
Eleanora
--
Bellows Falls Vermont
www.eleanoraeden.com
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