David Cowdrill on sat 19 jun 99
I need names of firms handling product liability insurance for folks such
as us potters. I first tried the company handling my homeowner's policy
(USAA) but they don't handle it. I have one quote from Erie but it's for
$497 per year which seems like a lot. Any recommendations would be greatly
appreciated.
David Cowdrill in Great Falls, Virginia
John Hesselberth on sun 20 jun 99
Hi David,
USAA was able to help me. While they don't write small business policies
directly, they act as an agent and will get you a policy from a company
that does. Mine, arranged through USAA's business insurance section,
comes from Commercial Union Insurance Company. Whenever i want to make I
change in the policy I deal with USAA. The bill, however, comes directly
from commercial union. John
David Cowdrill wrote:
>----------------------------Original message----------------------------
>I need names of firms handling product liability insurance for folks such
>as us potters. I first tried the company handling my homeowner's policy
>(USAA) but they don't handle it. I have one quote from Erie but it's for
>$497 per year which seems like a lot. Any recommendations would be greatly
>appreciated.
>David Cowdrill in Great Falls, Virginia
John Hesselberth
Frog Pond Pottery
P.O. Box 88
Pocopson, PA 19366 USA
EMail: john@frogpondpottery.com web site: http://www.frogpondpottery.com
"It is time for potters to claim their proper field. Pottery in its pure
form relies neither on sculptural additions nor on pictorial decorations.
but on the counterpoint of form, design, colour, texture and the quality
of the material, all directed to a function." Michael Cardew in "Pioneer
Pottery"
Bobbi Bassett on tue 22 jun 99
David
We have our liability through a General Insurance carrier who handles Home
based business policies through RLI Insurance Co. I'm in PA, but the
insurance is through John Carriero & Son Inc in Mechanicville, NY.The number
is 1-800-777-1344 Ask for Therese at ext. 22) We have had this insurance for
years. We have never had a claim so I can't vouch for that. It covers
liability at shows, products stolen at shows (not a 15. mug), product
liability, loss of business incomne, etc, etc, etc....
Give them a call and they'll send you a brochure.
Bobbi in PA
Tom Wirt on fri 25 jun 99
>
> David Cowdrill wrote:
>
> >I need names of firms handling product liability insurance for folks such
> >as us potters. I first tried the company handling my homeowner's policy
> >(USAA) but they don't handle it. I have one quote from Erie but it's for
> >$497 per year which seems like a lot. Any recommendations would be
greatly
David,
We have homeowners and car insurance through Illinois Farmers Group, and
have recently switched our business policy to them as well. The business
part runs about $650 for full liability (product etc.,) as well as fire
insurance on the studio (a separate building), inventory, etc. Business
insurance is somewhat based on the sales volume you do.
Tom
Berry Silverman on sun 27 jun 99
Karin,
Anyone who makes products for sale to consumers need
product liability insurance (or vast resources they
are willing to part with) for at least 3 reasons:
1. To defend against and pay damages for legitimate
claims - i.e., lead leached from your glazed mug,
which was used everyday for orange juice, and caused
lead poisoning to the person who drank from it.
2. To defend against erroneous or frivolous claims -
i.e. a consumer claims they have lead poisioning as a
result of your glazes, even though you only use
leadfree glaze.
3. To defend against claims of damage caused by
misuse of the consumer - i.e., someone places your
casserole on a stove burner to heat up a meal. The
casserole explodes, sending shards of pottery flying
and causing real injury to the user.
In each case, you need insurance to pay for and mount
a legal defense on your behalf, whether the claims are
real or not. In example No. 1, you would probably be
found responsible for some degree of damages. In
example No. 2, you probably are not liable, but still
must _prove_ that you are not liable. In example No.
3, a jury would probably have to decide if a
reasonable and prudent person would have made the same
assumptions about usage, so you would not only have to
pay for a legal defense, but you may also be found
liable to damage.
I would urge all potters making products for sale to
make certain you carry product liability insurance.
Why risk your home and savings to save a few hundred
dollars a year? And the premiums are based on sales
volume, so if your volume is low, your premiums would
reflect that. This is just another expense
categorized as overhead that people tend to forget
when they develop pricing for their ware.
Berry Silverman
Berryware
Tucson, Arizona
berrysilverman@yahoo.com
--- "K. Hurt" wrote:
> ----------------------------Original
> message----------------------------
> I've never confronted that question before, perhaps
> you can answer it. WHY
> does a potter need liability Insurance? For instance
> I make clay animals
> and a few functional items, WHY do I need liability?
> Your answer would
> really be appreciated.
> Thanks
> Karin Hurt
_________________________________________________________
Do You Yahoo!?
Get your free @yahoo.com address at http://mail.yahoo.com
Berry Silverman on sun 27 jun 99
Karin,
Anyone who makes products for sale to consumers need
product liability insurance (or vast resources they
are willing to part with) for at least 3 reasons:
1. To defend against and pay damages for legitimate
claims - i.e., lead leached from your glazed mug,
which was used everyday for orange juice, and caused
lead poisoning to the person who drank from it.
2. To defend against erroneous or frivolous claims -
i.e. a consumer claims they have lead poisioning as a
result of your glazes, even though you only use
leadfree glaze.
3. To defend against claims of damage caused by
misuse of the consumer - i.e., someone places your
casserole on a stove burner to heat up a meal. The
casserole explodes, sending shards of pottery flying
and causing real injury to the user.
In each case, you need insurance to pay for and mount
a legal defense on your behalf, whether the claims are
real or not. In example No. 1, you would probably be
found responsible for some degree of damages. In
example No. 2, you probably are not liable, but still
must _prove_ that you are not liable. In example No.
3, a jury would probably have to decide if a
reasonable and prudent person would have made the same
assumptions about usage, so you would not only have to
pay for a legal defense, but you may also be found
liable to damage.
I would urge all potters making products for sale to
make certain you carry product liability insurance.
Why risk your home and savings to save a few hundred
dollars a year? And the premiums are based on sales
volume, so if your volume is low, your premiums would
reflect that. This is just another expense
categorized as overhead that people tend to forget
when they develop pricing for their ware.
Berry Silverman
Berryware
Tucson, Arizona
berrysilverman@yahoo.com
--- "K. Hurt" wrote:
> ----------------------------Original
> message----------------------------
> I've never confronted that question before, perhaps
> you can answer it. WHY
> does a potter need liability Insurance? For instance
> I make clay animals
> and a few functional items, WHY do I need liability?
> Your answer would
> really be appreciated.
> Thanks
> Karin Hurt
_________________________________________________________
Do You Yahoo!?
Get your free @yahoo.com address at http://mail.yahoo.com
The Allens on tue 29 jun 99
Karin,
Liability insurance pays claims but it also pays for a legal defense if you
are sued. The legal fees for defending a bogus lawsuit can be a major
financial burden.
Carla Allen (lawyer/wannabe potter)
The Allens
ridgerun@scrtc.com
----- Original Message -----
From: K. Hurt
To:
Sent: Saturday, June 26, 1999 12:19 PM
Subject: Re: Need Firms Handling Product Liability
> ----------------------------Original message----------------------------
> I've never confronted that question before, perhaps you can answer it. WHY
> does a potter need liability Insurance? For instance I make clay animals
> and a few functional items, WHY do I need liability? Your answer would
> really be appreciated.
> Thanks
> Karin Hurt
> nirak@redrivernet.com
> GFeuer083@aol.com
>
> ----------
> > From: Tom Wirt
> > To: CLAYART@LSV.UKY.EDU
> > Subject: Re: Need Firms Handling Product Liability
> > Date: Friday, June 25, 1999 5:52 AM
> >
> > ----------------------------Original message----------------------------
> >
> >
> > >
> > > David Cowdrill wrote:
> > >
> > > >I need names of firms handling product liability insurance for folks
> such
> > > >as us potters. I first tried the company handling my homeowner's
> policy
> > > >(USAA) but they don't handle it. I have one quote from Erie but it's
> for
> > > >$497 per year which seems like a lot. Any recommendations would be
> > greatly
> >
> >
> > David,
> >
> > We have homeowners and car insurance through Illinois Farmers Group, and
> > have recently switched our business policy to them as well. The
business
> > part runs about $650 for full liability (product etc.,) as well as fire
> > insurance on the studio (a separate building), inventory, etc. Business
> > insurance is somewhat based on the sales volume you do.
> >
> > Tom
>
Bobbi Bassett on wed 30 jun 99
In a message dated 6/26/99 1:19:59 PM Eastern Daylight Time,
nirak@redrivernet.com writes:
> ---------------------------Original message----------------------------
> I've never confronted that question before, perhaps you can answer it. WHY
> does a potter need liability Insurance? For instance I make clay animals
> and a few functional items, WHY do I need liability? Your answer would
> really be appreciated.
> Thanks
> Karin Hurt
> nirak@redrivernet.com
> GFeuer083@aol.com
>
In one instance a potter was sued because a child cut himself on a very sharp
corner of a piece...................people are so "sue-happy" in today's
world that I consider my liability coverage assurance not insurance.
Bobbi in PA
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