Rick Hamelin on thu 20 mar 03
I was able to obtain low-cost insurance for a number of years but things
changed in the last three years with natural and terrorist claims. It is now
really expensive here in Massachusetts. After I negotiated with 12 agents last
year on my insurance and received 4 final quotes I learned one simple thing.
The companies will not pay your house fire claim if you have a permanently
wired kiln and do not report it at the time of making your application. I was
basically told that even if my toaster oven caused the fire, if the kilns were
found on the premises, that the fact is that 1-I mislead the agent 2-I lied on
application that this would cancel my policy and the subsequent claim award.
After having coverage for 12 years, this was the first year that I had a
spontaneous inspection of my kilns by my insurance company. If you have
customers coming onto your property, you need to inform the company as well. I
heard from one agent that some insurance companies consider a teacher working
at home correcting school papers is in fact a home-based business and
commercial rates would apply. Ask about Complete operations if you are selling
your product as this covers you if your items are sold through a vendor and
not directly by you to the customer.Your best bet is to make up twelve packets
including the square footage of lot and home and the type of business or hobby
that you run and bring this to twelve agents.Approach some agents in
the "artist" or "college" communities as they could be more knowledgable than
the local quy.Get large sized fire extinguishers and alarms and tell the agent
that you have them. Good luck.
> I am not having an easy time getting insurance agents to
> agree to let me run my kiln in my garage.
>
> Is there anyone out there who has insurance and their
> insurance agency KNOWS about their kiln?
>
> If you do would you please email me and let me have thier
> phone number?
>
> I am stuck with a wonderful kiln and high hopes and dreams
> which cant fly because my spouse insists on insurance.
>
> Please someone there has to be an agent out there who will
> insure something like this.
>
> Paula Kernachan
>
> ______________________________________________________________________________
> 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.
atheena@ATHEENA.COM on fri 21 mar 03
Thank you so very much for this reply it is very
informative and gave me lots to think about.
Paula
On Thu, 20 Mar 2003 20:27:51 +0000
Rick Hamelin wrote:
> I was able to obtain low-cost insurance for a number of
> years but things
> changed in the last three years with natural and
> terrorist claims. It is now
> really expensive here in Massachusetts. After I
> negotiated with 12 agents last
> year on my insurance and received 4 final quotes I
> learned one simple thing.
> The companies will not pay your house fire claim if you
> have a permanently
> wired kiln and do not report it at the time of making
> your application. I was
> basically told that even if my toaster oven caused the
> fire, if the kilns were
> found on the premises, that the fact is that 1-I mislead
> the agent 2-I lied on
> application that this would cancel my policy and the
> subsequent claim award.
> After having coverage for 12 years, this was the first
> year that I had a
> spontaneous inspection of my kilns by my insurance
> company. If you have
> customers coming onto your property, you need to inform
> the company as well. I
> heard from one agent that some insurance companies
> consider a teacher working
> at home correcting school papers is in fact a home-based
> business and
> commercial rates would apply. Ask about Complete
> operations if you are selling
> your product as this covers you if your items are sold
> through a vendor and
> not directly by you to the customer.Your best bet is to
> make up twelve packets
> including the square footage of lot and home and the type
> of business or hobby
> that you run and bring this to twelve agents.Approach
> some agents in
> the "artist" or "college" communities as they could be
> more knowledgable than
> the local quy.Get large sized fire extinguishers and
> alarms and tell the agent
> that you have them. Good luck.
> > I am not having an easy time getting insurance agents
> to
> > agree to let me run my kiln in my garage.
> >
> > Is there anyone out there who has insurance and their
> > insurance agency KNOWS about their kiln?
> >
> > If you do would you please email me and let me have
> thier
> > phone number?
> >
> > I am stuck with a wonderful kiln and high hopes and
> dreams
> > which cant fly because my spouse insists on insurance.
> >
> > Please someone there has to be an agent out there who
> will
> > insure something like this.
> >
> > Paula Kernachan
> >
> >
>
______________________________________________________________________________
> > 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.
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