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Re: Shop insurance??
Posted By: stampeder In Response To: Re: Shop insurance?? (Darryl Thompson)
Date: Monday, 21 June 2010, at 5:52 a.m.
> 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.> 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
Lose the attitude Darryl, it was totally uncalled for. The lawyer I met up with at the local farmers market and the question was asked over coffee, same with the lamp maker - he was tending his booth selling stuff from his gardens. No burden whatsoever, just good conversation among friends/colleagues.
And I never claimed to be as big as Noma nor was I suggesting signs I make heat up like a space heater. As a consumer I could take legal action again that company or any other vendor if their product seems to be the cause of a fire or other damage to my property or if the proper use of such product causes personal injury or death.
So if I bought an "open" sign from you, or had tube on said sign replaced by you, and the sign catches my business on fire then your insurer would likely be hearing from mine as they try to recoup the money paid out for damages on my policy. If you don't have proper insurance, who do you think the insurance company is going to go after - you, the business owner. This isn't rocket science.
The attitude displayed by you is exactly why I avoid trying to share information with fellow signmakers, unless they are very good friends. I thought the worst attitude I met in the neon industry was from a pyrex manifold maker years ago but apparently it's spread to others. Thanks for reading!
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