[Woodcarver] Class Insurance

[Marcia Berkall]

Hi, Ron,

Check with your homeowners insurance first.  Some companies have an 
"occasional use" policy rider.  I used to be able to get this very 
reasonably.  The past few years, I haven't been able to get that.  It 
seems when the insurance company hears "sharp tools" the don't want 
any part of it...or the cost is prohibitive.  With my studio attached 
to the house, I am covered for someone falling, or that type of 
liability.  As for injuries in class, I have everyone sign a release 
form saying that they are aware of the potential for injury and will 
not hold me, my business, or my family responsible.  I stress safety 
constantly.  I don't know how well it will hold up in court, but 
nobody yet has had a problem with it and we keep the injuries down.
Good luck,
Marcia
At 02:32 PM 3/14/2010, you wrote:

>I'm considering teaching classes at my home studio.  Does anyone 

>have any suggestions for insurance for this type of activity.

>

>Ron Ramsey

><http://www.carvedbyramsey.com/>http://www.carvedbyramsey.com

>


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