Hello everyone, I am a potter that recently relocated.
I now live in the country on a few acres and have my studio over the garage, which is separate from the house. I have been insured by State Farm, but now they tell me this is going to cost a bit more, since my building is not attached to the house and I have to go with a business policy.
I'm willing to temporarily go without liability, as no one is ever here except myself.
According to them, I cannot do that.
We are kinda at a standstill.
Does anyone have any advice or suggestions for another insurer?
Yesterday they told me I was insured for a few weeks until we figured this out. Today, after I told them I have to think about this, they e-mailed me and told me I'm not insured! I've been using them for insurance forever!
Thanks!
Judy
Replies
Just an idea - if you build an enclosed breezeway/hallway between the house and the garage/workshop, they will become attached and maybe could be considered as one building, so you may be able to switch to the firmer insurance. Just calculate how much it'll cost you in both cases. At the worst - you'll have a warm and dry way to move between the buildings.
Oh, I would love to have a walkway-especially in the winter! But I now live rural,and my building is about 90-100 feet from the house!
I now have the business policy. We hashed it around and I got it for about $100 less. Since I 'm paying this , I am thinking about the possibilities of having customers eventually come to my studio.
I have State Farm business insurance. It covers all my inventory, tools and liability. If you have a business then you must have liability because the insurance company assumes that you may at some time have a customer in the studio. This liability also covers if someone, say,trips over your weights at a show and sues you for the cost of medical care. Just something to consider.
You probably should work with your agent, if you have a relationship that spans years. If you are doing shows, you probably want liability for off-premise (when you're at a show) as well as your main office/studio location. You may also want to insure the building against fire, wind, theft, the usual suspects.
What is your objection to carrying liability insurance on your business?
Thanks. Actually I am with a new agent, since I moved to another state. He did call me later today-after I was e-mailed that I had no coverage, so we are talking again. I'm not against the liability at all, but I was trying to find a way to lower the expense.
I did check with another company today and was told that it is normal for one ins company to cover everything and that I may not be able to find someone who will just cover my building/business.
Tomorrow I plan to call my agent and go with something, but just pay it month by month, and continue looking.
So if anyone else has advice-I'm still open to it.
Thanks.
Thank you, Jim. I just e-mailed them, I'm going to go with the policy for now.
I needed a bit of convincing. It is a good policy, it covers everything.
Sorry about your trailer!