billie schwab on mon 7 oct 02
those of you who teach, from your studio
could you address how you have dealt with the insurance liability issue. if
someone becomes injured in your studio/on your property, while attending
class, what insurance covers it?
tia,
billie schwab
venus, pa
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Craig Clark on tue 8 oct 02
Insurance?!?!?! What insurance? The nice thing about not haveing a bunch
of money is not having to worry about things like personal injury suits.
Afterall, you can't get blood out of a stone.
Seriously, it is not something that I've ever considered. I've never
seen nor heard of anyone being seriously injured in a clay studio (though
there probably have been.) To date, all of the folks that have come through
my door have been pretty cool. A law suit has been the last thing on my
mind.
Craig Dunn Clark
619 East 11 1/2 st
Houston, Texas 77008
(713)861-2083
mudman@hal-pc.org
----- Original Message -----
From: "billie schwab"
To:
Sent: Monday, October 07, 2002 11:07 AM
Subject: studio liability with teaching
> those of you who teach, from your studio
>
> could you address how you have dealt with the insurance liability issue.
if
> someone becomes injured in your studio/on your property, while attending
> class, what insurance covers it?
>
> tia,
> billie schwab
> venus, pa
>
> _________________________________________________________________
> MSN Photos is the easiest way to share and print your photos:
> http://photos.msn.com/support/worldwide.aspx
>
>
____________________________________________________________________________
__
> Send postings to clayart@lsv.ceramics.org
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> You may look at the archives for the list or change your subscription
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> Moderator of the list is Mel Jacobson who may be reached at
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L. P. Skeen on tue 8 oct 02
From: "Craig Clark"
> Insurance?!?!?! What insurance?
From: "billie schwab"
> > those of you who teach, from your studio could you address how you have
dealt with the insurance liability issue.
You CAN have the students sign a release of liability before you let 'em
near the studio, but I don't know how effective they are in real life. Your
business insurance should cover injury on the premises.
L
L. P. Skeen on tue 8 oct 02
>>Insurance?!?!?! What insurance? > Craig Dunn Clark
> > those of you who teach, from your studio
> >
> > could you address how you have dealt with the insurance liability issue.
> if
> > someone becomes injured in your studio/on your property, while attending
> > class, what insurance covers it?
> >
> > tia,
> > billie schwab
> > venus, pa
> >
> > _________________________________________________________________
> > MSN Photos is the easiest way to share and print your photos:
> > http://photos.msn.com/support/worldwide.aspx
> >
> >
>
____________________________________________________________________________
> __
> > 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.
>
>
____________________________________________________________________________
__
> 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.
>
claybair on tue 8 oct 02
HA......
Perhaps in Texas where there are more cattle than people...
But on Bainbridge where there are more lawyers than people
I figured the $200 I spent on insurance well worth it!
Gayle Bair
Bainbridge Island, WA
http://claybair.com
-----Original Message-----
From: Craig Clark
Insurance?!?!?! What insurance? The nice thing about not haveing a bunch
of money is not having to worry about things like personal injury suits.
Afterall, you can't get blood out of a stone.
Seriously, it is not something that I've ever considered. I've never
seen nor heard of anyone being seriously injured in a clay studio (though
there probably have been.) To date, all of the folks that have come through
my door have been pretty cool. A law suit has been the last thing on my
mind.
Craig Dunn Clark
619 East 11 1/2 st
Houston, Texas 77008
(713)861-2083
mudman@hal-pc.org
Kathy on tue 8 oct 02
Hi,
I spend more on insurance than I do on materials for
my classes. Home owner's insurance does not normally
cover accidents of a student, customer, or client.
It's not the person involved in an accident that you
need to worry about, it's his or her insurance
company. If they file a claim for an accident, the
ball leaves their court.
I guess it really depends on your comfort level. I try
to make my studio a safe place for everyone. Yeah, the
insurance is expensive, but I don't begrudge it. In my
situation, it is the responsible and compassionate
choice.
Yours,
Kathy
=====
Kathy
Laughing Brook Pottery
Shell Lake, Wisconsin
kathymaves@yahoo.com
www.greendragonstudios.com
claybair on wed 9 oct 02
The only insurance problem I see is that in the event of you actually having
to use the policy for a claim. You will likely be dropped like a hot potato
by the insurance company. After that you might find it very hard and
expensive to get a new one to cover you.
Gayle Bair
Bainbridge Island, WA
http://claybair.com
-----Original Message-----
From: KathyHi,
I spend more on insurance than I do on materials for
my classes. Home owner's insurance does not normally
cover accidents of a student, customer, or client.
It's not the person involved in an accident that you
need to worry about, it's his or her insurance
company. If they file a claim for an accident, the
ball leaves their court.
I guess it really depends on your comfort level. I try
to make my studio a safe place for everyone. Yeah, the
insurance is expensive, but I don't begrudge it. In my
situation, it is the responsible and compassionate
choice.
Yours,
Kathy
=====
Kathy
Laughing Brook Pottery
Shell Lake, Wisconsin
kathymaves@yahoo.com
www.greendragonstudios.com
John Baymore on wed 9 oct 02
those of you who teach, from your studio
could you address how you have dealt with the insurance liability issue. =
if
someone becomes injured in your studio/on your property, while attending
class, what insurance covers it?
billie,
Two pronged approach.
First a very specific and legally correct "release of liability and
indemnification agreement". I don't work with people under the age of
majority (kids)... so the legal questions about the parent signing away a=
minor's rights isn't an issue. (Those who do that have more issues to de=
al
with on this idea.) Have a lawyer draw it up. Cost you about $75 - $10=
0,
give or take. Anyone who won't sign the form...... I won't take. The
form looks a bit "scary"........ mentions legal sounding stuff like
"....heirs, estates, insureds, agents, assigns....." and "significant
risks"..... and such. Not too long.... fits on about 1/3 of a letter pag=
e.
Some content depends on your specific state laws.
Second.... your commercial business insurance. Call your insurance agent=
or the carrier for your other studio insurance.
Yup.... it adds overhead. Just pass along the cost in the price of the
class. If you think the cost becomes "prohibitive".... there is a "stop
and think" message in there .
See the other recent and past discussions of insurance that are in the
archives.... a lot of good info there.
Best,
..............................john
John Baymore
River Bend Pottery
22 Riverbend Way
Wilton, NH 03086 USA
603-654-2752 (s)
800-900-1110 (s)
JohnBaymore.com
JBaymore@compuserve.com
Philip Poburka on wed 9 oct 02
Or...that the most affordable Insurance, or 'Assurance' is
for those matters as in which there is no imaginable
eventuality as could be constured to represent an arguable
liability.
One may likely ensure the non-re-animation of a Corpse, at
rates most favourable to all concerned.
My favourite, is just to send them money, as much and as
often as I can.
I do not wish to 'Insure' anything, and there is less
probability of subsequent contentions or ill will betwixt us
this way...and it works out about the same anyway, as if I
did have a 'policy'...(just kidding...)
Remember this: 'Insurance' is a wager...it is a form of
'legal' Gambleing...nothing more, and nothing less than
that.
You want to make a 'wager' on sometthing with the bastards,
you can define the wager and see if they'll bite.
You can negotiate with them the description of, and the
nature of, the wager that interests you to make.
No need to be so damned 'passive' and just 'choose' humbly
and wan, off of their 'plate'...Hat-in-hand...as it
were...like they are doing you the favour to entertain
getting your money on the odds as make them money.
The description of just 'what' the wager IS...is your
'policy'...
...will they 'cheat' in this 'gamblin' game?
You bet.
Any time they can.
Phil
Las Vegas
----- Original Message -----
From: "claybair"
To:
Sent: Wednesday, October 09, 2002 9:37 AM
Subject: Re: studio liability with teaching
The only insurance problem I see is that in the event of you
actually having
to use the policy for a claim. You will likely be dropped
like a hot potato
by the insurance company. After that you might find it very
hard and
expensive to get a new one to cover you.
Gayle Bair
Bainbridge Island, WA
http://claybair.com
-----Original Message-----
From: KathyHi,
I spend more on insurance than I do on materials for
my classes. Home owner's insurance does not normally
cover accidents of a student, customer, or client.
It's not the person involved in an accident that you
need to worry about, it's his or her insurance
company. If they file a claim for an accident, the
ball leaves their court.
I guess it really depends on your comfort level. I try
to make my studio a safe place for everyone. Yeah, the
insurance is expensive, but I don't begrudge it. In my
situation, it is the responsible and compassionate
choice.
Yours,
Kathy
=====
Kathy
Laughing Brook Pottery
Shell Lake, Wisconsin
kathymaves@yahoo.com
www.greendragonstudios.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.
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