John Sayers' Recording Studio Design Forum Archive

Aloha,

Mrs kendale had an interesting question a moment ago. She asked if anyone on this forum had some suggestions as to getting proper insurance coverage for the studio (liability, unhappy client, equipment, theft/loss) and anything else one might need.

Your thoughts, gentlemen?

Mahalo and Aloha,

Talk first with your homeowners' (or renters'?) insurance company. Sometimes you can just add a rider to that policy.

In any event, get yourself a good umbrella policy too if you don't already have one.

In our case, when my wife had her professional pet sitting business, we had to change insurers because our existing homeowners' policy would not insure us with a home occupation on the premises (even though no clients ever visited us at the house -- the "business" within the home was just an office).

Be prepared to answer questions about the business equipment on the premises, its value, how many customers are expected to visit each day/week, etc.

If your existing agent is employed by the insurance company itself (i.e., not an "independent agent"), you may wish to find one. For example, with auto insurance, Allstate and State Farm employ their own agents, whereas Mercury, Safeco, and Progressive are examples of companies that use independent agents.

I have done business with my independent insurance guy for about 12 years... He's great. When I told him about my project, he advised me to contact him as soon as the permit is issued so that he can get my policy updated to include the value of the project in the policy.

Over the years we've had to switch companies a few time, but he remains our agent, and it's always very competitive.

Kudos to Mrs. Kendale for keeping you on top of this stuff.

--Keith

Here you go...

http://www.clarionins.com/

The last quote I got was about $500 a year for $50k coverage.

Aloha and Mahalo!

Thank you, gentlemen! We shall begin our investigation immediately. Perhaps this might be a useful topic/sticky/resource for others as well?

Aloha

He mea iki!

Aloha,

Kore wa, nan desu ka?

Aloha

I cheated!

Master Sharward,

Speakest thou in tongues, doest thou? Many talents hidden, have ye.

Aloha

Aloha,

According to the revised and enlarged edition of the Hawaiian-English/English-Hawaiian dictionary: You're Welcome=he mea iki, he mea 'ole (literal. a little thing, nothing). Just one of the 1001 trivia points you never knew you needed to know.

Aloha

Doh! Somoehow I think I ended up with Japanese!

Aloha,

Somehow I think I ended up with Japanese!

You are correct.

Simple Japanese Phrases:
Kore wa nan desu ka. = What's this?

Aloha

If you are operating a commercial studio you may also want to explore Zurich, they have insured me for the past 6 years and are a fine company to work with for protection! http://www.zurichna.com/

Good luck!

Aloha,

Mahalo for the link!

Aloha

Is the studio in your house, in a seperate building on your home property, or in a seperate building/seperate property from your home?

Aloha John,

It's located in my home.

Aloha