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Re: Shop insurance??

Posted By: Darryl Thompson
Date: Sunday, 20 June 2010, at 8:05 p.m.

In Response To: Re: Shop insurance?? (stampeder)

> Same goes for a supplier to a sign shop, if
> the lamp, ballast or neon unit causes
> property damage or personal injury/death I
> can assure you a lawyer will go after the
> manufacturer and distributor. While he may
> not win a case against the neon manufacturer
> it'll probably put a big dent in your bank
> account as you try to defend youself.

The only way anyone can come after in this situation is if you installed the unit as a permanent “wired in” (i.e. raceway) yourself in or on the clients business or home.

If you sell them a unit or window sign that plugs in your liability ends once the product leaves your hands. 90% of neon shops do not supply a national market and have personal quality control. Independant neon shops are usually looked at as artisans not as a major lighting company. As for wholesale glass units you have no liability period, wholesale all falls on the end user.

The insurance for a shop is fairly simple, basic personal injury if you have visitors or a sales counter, building protection if your landlord don’t have it and protect your stock and equipment against loss.

Just some kind advice, pay attention to your fire and electrical codes stringently in your shop. One day it just might pay off. ;)

D

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