Vince Pitelka on mon 11 dec 06
Mel wrote:
> INSURANCE IS REGIONAL it all depends, liability issues are
> regional, it all depends.
Mel -
I looked into professional liability insurance with my regular insurance
carrier, and they would not insure me while I am out teaching workshops away
from the university. But I am a member of AAUP, and was able to purchase
professional liability insurance through them that covers me wherever I
teach.
- Vince
Vince Pitelka
Appalachian Center for Craft, Tennessee Technological University
Smithville TN 37166, 615/597-6801 x111
vpitelka@dtccom.net, wpitelka@tntech.edu
http://iweb.tntech.edu/wpitelka/
http://www.tntech.edu/craftcenter/
mel jacobson on mon 11 dec 06
one of the important aspects to teaching at home, in your studio
is the liability issue.
and, it is a big issue.
i just won't do it...period.
all you need is one person injured in your studio
and you will be screwed into the wall.
INSURANCE IS REGIONAL it all depends, liability issues are
regional, it all depends.
so.
be very careful....if you are doing teaching in your studio
you will not be covered. you become the payer.
and don't be fooled into thinking you have
a million in liability insurance with the standard policy.
it is void if you are taking money for instruction.
I KNOW, I KNOW...YOUR AUNT GOT INSURANCE,
OR SOME OTHER STORY. OR YOU WERE SUED
AND YOUR COMPANY PAID OUT 6.5 MILLION...AND
YOU WERE COVERED.
most of those stories are urban legend.
b.s. if you want your undies in a bunch...get
a letter from a student that says....`my attorney has
a case pending against you....kiss your butt goodbye.
having a home sale of your work is like having a garage
sale. if someone falls on your deck...well, someone fell....
you call your insurance carrier. you should be covered.
if you have sales every month, you had better have
business insurance. expensive. if you have a sign
hanging out....you had better have business insurance.
this insurance topic is not one to be taken lightly.
and, it is not a good topic /thinking it is the same
everyplace.
it is regional.
check carefully.
so:
for those insurance challenged...joyce has different
issues with insurance living like a hermit in the middle
of that damn desert in cal...david hendley has different
issues living in rural texas, tony has canadian issues with
his sign hanging out ten miles from niagra falls.
see, it all depends.
mel
mel
from: mel/minnetonka.mn.usa
website: http://www.visi.com/~melpots/
Clayart page link: http://www.visi.com/~melpots/clayart.html
Kathy McDonald on mon 11 dec 06
I agree with you Mel.
Until very recently I paid an extra 600/yr
over and above my business insurance
and home insurance package to cover
the liability issues related to teaching
small groups of kids in a home studio.
I was fortunate enough to have never had
any one suffer any injury.
When school classes
(mostly small student at risk classes)
came for onsite tours I made sure that I had
copies of every one of those student waivers
that parents and guardians have to fill out.
No waiver, no class.
Even if you are doing it for free liability issues
are still a concern here.
Just carrying insurance is not enough, students
or their legal guardians must also sign waivers
indicating that they have given their child permission
to be in your home studio.
I'm not sure whether there would have
been liability issues if some kid had stabbed
another one with a needle tool, or had their long hair
catch in the wheel even with admonitions about
wearing hair tied back, or if one kid claimed that
I had inappropriately touched a part of their anatomy in
the process of teaching something.
(Yes those things can and DO happen!!
Unfortunately, due to recent illness I do not
do any kind of teaching and have dropped
that insurance.
The actual liability may be regional but teaching
without knowing about it can be very hazardous.
Kathy
-----Original Message-----
From: Clayart [mailto:CLAYART@LSV.CERAMICS.ORG]On Behalf Of
mel jacobson
Sent: Monday, December 11, 2006 1:20 PM
To: CLAYART@LSV.CERAMICS.ORG
Subject: insurance issues/teaching
one of the important aspects to teaching at home, in your
studio
is the liability issue.
and, it is a big issue.
i just won't do it...period.
all you need is one person injured in your studio
and you will be screwed into the wall.
INSURANCE IS REGIONAL it all depends, liability issues are
regional, it all depends.
so.
be very careful....if you are doing teaching in your studio
you will not be covered. you become the payer.
and don't be fooled into thinking you have
a million in liability insurance with the standard policy.
it is void if you are taking money for instruction.
I KNOW, I KNOW...YOUR AUNT GOT INSURANCE,
OR SOME OTHER STORY. OR YOU WERE SUED
AND YOUR COMPANY PAID OUT 6.5 MILLION...AND
YOU WERE COVERED.
most of those stories are urban legend.
b.s. if you want your undies in a bunch...get
a letter from a student that says....`my attorney has
a case pending against you....kiss your butt goodbye.
having a home sale of your work is like having a garage
sale. if someone falls on your deck...well, someone
fell....
you call your insurance carrier. you should be covered.
if you have sales every month, you had better have
business insurance. expensive. if you have a sign
hanging out....you had better have business insurance.
this insurance topic is not one to be taken lightly.
and, it is not a good topic /thinking it is the same
everyplace.
it is regional.
check carefully.
so:
for those insurance challenged...joyce has different
issues with insurance living like a hermit in the middle
of that damn desert in cal...david hendley has different
issues living in rural texas, tony has canadian issues with
his sign hanging out ten miles from niagra falls.
see, it all depends.
mel
mel
from: mel/minnetonka.mn.usa
website: http://www.visi.com/~melpots/
Clayart page link:
http://www.visi.com/~melpots/clayart.html
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Kathi LeSueur on tue 12 dec 06
mel jacobson wrote:
> one of the important aspects to teaching at home, in your studio
> is the liability issue.
> and, it is a big issue.
> i just won't do it...period........
>
>
> and don't be fooled into thinking you have
> a million in liability insurance with the standard policy.
> it is void if you are taking money for instruction.>>>>
The best way to insure your studio is to go to an independent agent who
writes insurance for commercial and residential properties . They are
very knowledgeable about liability issues and know which companies are
good about paying claims. Usually they can write a policy that covers
all of your property insurance needs in one package: home, studio, auto.
And, you can usually save money with that package rather than purchasing
each separately. The most important thing is to let the agent know
exactly what it is you do. Don't hide anything to save money. It will
only hurt you in the end.
Most residential insurance policies, with studio riders, assume that
the studio product is for hobby purposes only. Often artists claim their
studios to be for hobby purposes (often at the suggestion of the agent)
to save money. That's fine if you never have a claim. If you do, you're
out of luck. If you do imply that you are just a hobby rather than a
business, and you have a claim, it will not be covered. Even if the
claim is not related to the studio, it will not be covered because you
obtained the coverage under "false pretenses". Never hide what you are
doing from your insurance agent. Never allow them to hide what you are
doing from the company. It never pays. Tell them exactly what you are
doing and pay for the coverage to protect your activities.
Kathi
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