Bruce Freund on fri 23 may 03
While making some teapots today this thought came across my mind.
What if for some reason someone was using this teapot, which I sold them,
and say for example a handle failed and they scalded themselves or another
person. Let's assume that it was far more that just a burn. Let's be
dramatic and say that it disfigured some one.. I have a feeling that the
potter or maker of the teapot might have some responsibility. Not a pleasant
thought but one that I would be interested in hearing about.
If the above were correct does anyone have or know where to obtain some type
of insurance that would potentially protect the potter and if so what the
premium would be ??
bruce
Pamela Watkins on fri 23 may 03
Bruce:
I couldn't imagine such a dramatic event! Sounds like the crazy dream I had last night! I imagine you are fitting your handles as strong as possible, so some grubber won't sue you over them!! I suppose any thing is possible.
I'm responding because I, too am interested in liability, however covering interested parties that would like classes out of my studio. I've considered the signature forms that I sign for my boys to play sports and one I've seen from an Art Guild offering classes, ie. "jaqartstudio and all identies wherein with not be held liable for injury, broken pieces, hurt feelings, death of the hamster and all the other legal tag-ons, etc. and so on.
I was thinking of contacting my lawyer, but haven't gotten around to it. I'd rather spend $200 on new glaze chems than on a two minute phone conversation. I'll be keeping up with this thread, curious to see what others have done.
Bruce Freund wrote:
While making some teapots today this thought came across my mind.
What if for some reason someone was using this teapot, which I sold them,
and say for example a handle failed and they scalded themselves or another
person. Let's assume that it was far more that just a burn. Let's be
dramatic and say that it disfigured some one.. I have a feeling that the
potter or maker of the teapot might have some responsibility. Not a pleasant
thought but one that I would be interested in hearing about.
If the above were correct does anyone have or know where to obtain some type
of insurance that would potentially protect the potter and if so what the
premium would be ??
bruce
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Des & Jan Howard on fri 23 may 03
Bruce
Our comprehensive business insurance policy
covers public, product & pollution liabilities.
I gave a full explanation some weeks ago.
Des
Bruce Freund wrote:
> While making some teapots today this thought came across my mind.
> What if for some reason someone was using this teapot, which I sold them,
> and say for example a handle failed and they scalded themselves or another
> person. Let's assume that it was far more that just a burn. Let's be
> dramatic and say that it disfigured some one.. I have a feeling that the
> potter or maker of the teapot might have some responsibility. Not a pleasant
> thought but one that I would be interested in hearing about.
>
> If the above were correct does anyone have or know where to obtain some type
> of insurance that would potentially protect the potter and if so what the
> premium would be ??
--
Des & Jan Howard
Lue Pottery
LUE NSW 2850
Australia
Ph/Fax 02 6373 6419
http://www.luepottery.hwy.com.au
Jeanette Harris on fri 23 may 03
>While making some teapots today this thought came across my mind.
>What if for some reason someone was using this teapot, which I sold them,
>and say for example a handle failed and they scalded themselves or another
>person. Let's assume that it was far more that just a burn. Let's be
>dramatic and say that it disfigured some one.. I have a feeling that the
>potter or maker of the teapot might have some responsibility. Not a pleasant
>thought but one that I would be interested in hearing about.
>
>If the above were correct does anyone have or know where to obtain some type
>of insurance that would potentially protect the potter and if so what the
>premium would be ??
>
>bruce
The short answer is, talk to some insurance companies and find out
what their premiums are for a personal liability policy in the amount
of a million dollars (believe me, it's not too much). They run a few
hundred dollars per year and are VERY much worth it.
Jeanette
--
"Monkeymind" refers to the Zen concept of a mind that chatters on.
It is the enemy of meditation.
Rick Hamelin on fri 23 may 03
For a while one of my vendors stopped selling any functional pottery. While a
beanpot was being removed from an oven, it cracked open and the contents
scalded the woman. She sued and the shop closed. This was in the mid 1980's.
I have been covered ever since but my rates are increasing faster than the
national debt. Business insurance varies from state to state. A tent renter
here in my area is quitting the business after 20 years because his insurance
rate was quoted at $5000 a year. My BOP is required by my homeowners. YOu risk
loosing your homeowners coverage and any claims because apparently you never
told your agent that you are making pottery. You need a bop. Without a busines
on property coverage, you are techniquely uninsured under your homeowners. A
bop gives you liability.
> While making some teapots today this thought came across my mind.
> What if for some reason someone was using this teapot, which I sold them,
> and say for example a handle failed and they scalded themselves or another
> person. Let's assume that it was far more that just a burn. Let's be
> dramatic and say that it disfigured some one.. I have a feeling that the
> potter or maker of the teapot might have some responsibility. Not a pleasant
> thought but one that I would be interested in hearing about.
>
> If the above were correct does anyone have or know where to obtain some type
> of insurance that would potentially protect the potter and if so what the
> premium would be ??
>
> bruce
>
> ______________________________________________________________________________
> 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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