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Re: Shop insurance??
Posted By: Darryl Thompson In Response To: Re: Shop insurance?? (stampeder)
Date: Monday, 21 June 2010, at 12:22 a.m.
> A discussion with my lawyer today says
> otherwise. His specialty is liability and
> insurance cases, and he clearly stated to me
> that any product that comes out my shop
> could result in my having to spend lawyer
> fees, etc to defend myself against a claim.> There is nothing preventing anyone from
> filing a claim against anybody in the
> business world these days. While the claim
> is likely to get tossed out if unfounded,
> how much cash will you have spent to get it
> thrown out.> The artisan idea intrigued me so I asked a
> local lamp maker - he works part time from a
> home-based studio and assembles custom
> stained glass fixtures. He carries liability
> insurance for $5mil because he wouldn't want
> to be financially responsable in the event
> one of his lamps was the direct or indirect
> cause of a fire in one of the
> houses/mansions owned by his well-to-do
> client base.First off, I am not making claim that a shop owner don't need insurance. I carry 5 mil on my operations but I am of size and cover several states. Any person wishing to get into this trade should do all the ass covering they can hence it is known that most look for a free meal if they can get it. Lawsuits do happen however, is there any sense in creating a paranoid delusion?
My point is simple. You don’t need to go over kill to the point of putting a warning label on your forehead and a plug in your butt. Insurance salesmen that have a little knowledge in what we do will try to screw us. They see fire and know we use HV to make our products work as intended. With those 2 known we are open to be scammed to highest level over paranoid unknowledgeable idiots.
As a 20 + year veteran to the trade I have yet to see a lawsuit come of a negligent wholesale clients install. You the bender cannot and will not be liable for a clients placement of the glass in the finished product they produce (ie: cracked tabulation). The only liability that your glass will cause you is if you install it personally or a representative of your business does. The wholesaler is liable for anything they sell as an installed finished product, not you.
Insure yourself and your equipment through a reputable source, not an average Joe down the block. Make sure the company you choose fully understands what you do and invite a rep to come see what you are doing so there is no confusion.
@ Stampeder, If you are as big as “Noma” and supply to a market as large as they do, then yes you isure to the max and hire a ton of lawyers to pre-defend your butt. In this instance in this trade you would completely mad to dump a crap ton of money on a 100% ass hugging blanket policy that will drain your bank faster than hiring that lawyer. We make light, not heat a house. We have our inherit issues that can be of concern but we don’t create fires like a product that is a definite heat source.
Heaters are a bad comparison to what we do. If a finished unit heats like such, a bender deserves what comes his way.
Just a general knowledge before hacking away at me since it seems we have never crossed paths before.
1. I am a well educated bender and business owner that has made a life from neon as a choice.
2. I handle an array of neon projects from massive restorations to fitting specialty neon into mansions on the Florida Gold Coast. I don’t work out of my house but I’m an artisan.
3. I come home to a loving well respected corporate litigations attorney.
Please read my posts thoroughly before assuming things.
>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.I’m sorry to have made a burden for you to get up with the couple of “reputable professionals” to answer your questions concerning liability on a “Sunday” for this board topic.
D
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