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Forum topic by a1Jim posted 03-02-2018 05:46 PM 2968 views 0 times favorited 48 replies Add to Favorites Watch
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a1Jim

117203 posts in 3691 days


03-02-2018 05:46 PM

Topic tags/keywords: question

Hello everyone
I’ve been teaching woodworking at my local Comunity college for about 12 years and privately out of my own shop but my Liability insurance cost is getting bumped up to the $1500 range per year is there anyone that has a source that might be less cost, I’m aware of the other post of folks telling woodworking teachers to have disclaimers and to have insurance but they don’t offer any insurance sources for this kind of insurance in Oregon, I was hoping that we have some insurance experts that may be able to help or suggest a company that offeres this type of Libility coverage .
Thanks
Jim

-- https://www.artisticwoodstudio.com/videos wood crafting & woodworking classes


48 replies so far

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John Smith

1302 posts in 277 days


#1 posted 03-02-2018 06:15 PM

Jim – my last little “accident” is approaching the $99,000.00 mark in insurance claims.
so I would suggest you find something that will cover at least two or three times that amount. (per person).
so far, I have had to pay only $16.00 out of pocket.
“I think” some kind of disclaimer for the students in your home/shop to sign releasing you of any “issues”
that may arise from an accident would definitely help.
I have State Farm homeowners insurance and when I held get-togethers or workshops in my business,
I purchased a “rider” for that weekend only. I wish you luck in finding something that will provide you
secure coverage and hope you NEVER have to use it.

-- some people are like a Slinky - - - pretty much good for nothing. But still make you smile when you push them down a flight of stairs.

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eflanders

310 posts in 1964 days


#2 posted 03-02-2018 06:18 PM

Jim,
The school should have the needed insurance for you at no charge to you. When I was a teachers aide at a high school they told me that their liability insurance protected me. My dad was the head administrator for a technical college for many years and their school also did the same.
I was told by my insurance guy that if I took out liability in addition to the school that I would be more likely to get sued vs. a school. Naturally he was willing to sell me some “just in case” though.

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a1Jim

117203 posts in 3691 days


#3 posted 03-02-2018 06:24 PM

Thanks John
Your right eflanders the school does have their own insurance the insurance I need is for my private classes not run through the school. Thanks for your input.

-- https://www.artisticwoodstudio.com/videos wood crafting & woodworking classes

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Monte Pittman

29783 posts in 2452 days


#4 posted 03-02-2018 06:39 PM

Did you ask Charles?

-- Nature created it, I just assemble it.

View DocSavage45's profile

DocSavage45

8683 posts in 2956 days


#5 posted 03-02-2018 07:50 PM

Jim,

Insurance in my present business is a requirement, but there are many people doing what I do so the risk insurance can be less expensive, but my physical liability is based only on someone falling in my office.

Had one insurance company which started low but increased the policy each year. Found another which bills dependent on number of people seen and type of license the practitioner has.

Monte has a good pint about asking Charles.

I googled and found a number of insurance companies in your area. Might be worth calling to research outcomes?

-- Cau Haus Designs, Thomas J. Tieffenbacher

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a1Jim

117203 posts in 3691 days


#6 posted 03-02-2018 07:56 PM

Thanks, guys, I did ask Charles some time ago.but his insurance doesn’t cover my area. I google also Tom but didn’t seem to find more than one that even said anything about woodworking, we must have searched differently if you would email or PM what you found?

-- https://www.artisticwoodstudio.com/videos wood crafting & woodworking classes

View TopamaxSurvivor's profile

TopamaxSurvivor

18355 posts in 3790 days


#7 posted 03-02-2018 07:59 PM

Call an insurance broker.

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

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a1Jim

117203 posts in 3691 days


#8 posted 03-02-2018 08:01 PM

I’ve called lots of them Bob the only one that found anything was the one bumping me up to $1500 mark.

-- https://www.artisticwoodstudio.com/videos wood crafting & woodworking classes

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TopamaxSurvivor

18355 posts in 3790 days


#9 posted 03-02-2018 08:08 PM

That may be what you are stuck with. When I was contracting it seemed like the insurance business was in constant turmoil. Always changing what was covered, costs, ect. At one point I was not covered to do residential service calls, but I was remodeling in hospitals and industrial plants. At one point coverage for tool theft was like buying them every 2 or 3 years. Later it was included without any extra charge. It never made any sense to me.

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

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woodworm1962

145 posts in 215 days


#10 posted 03-02-2018 08:24 PM

I have looked into this and one thing that is CLEAR is you have a table saw for your students it had BETTER be a SAWSTOP or if a kid gets injured on any other TS YOU ARE SCREWED!


Hello everyone
I ve been teaching woodworking at my local Comunity college for about 12 years and privately out of my own shop but my Liability insurance cost is getting bumped up to the $1500 range per year is there anyone that has a source that might be less cost, I m aware of the other post of folks telling woodworking teachers to have disclaimers and to have insurance but they don t offer any insurance sources for this kind of insurance in Oregon, I was hoping that we have some insurance experts that may be able to help or suggest a company that offeres this type of Libility coverage .
Thanks
Jim

- a1Jim


-- No one likes the truth...

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a1Jim

117203 posts in 3691 days


#11 posted 03-02-2018 08:30 PM

I’m still licensed Bob but that insurance won’t cove my teaching
Funny the insurance guy I’m with now said a SawStop didn’t matter even though I have one.

-- https://www.artisticwoodstudio.com/videos wood crafting & woodworking classes

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TopamaxSurvivor

18355 posts in 3790 days


#12 posted 03-02-2018 09:11 PM

Insurance guy might not care about SawStop, but I’ll bet your atty will if there is an issue. It may prevent a slam dunk for the other side.

The one thing I noticed is everything is covered when you buy insurance. When something happens there is an exclusion for coverage on that. It is in the mumbo jumbo and double talk and fine print that a normal person would not interpret that way. Fortunately I never had any serious claims. The only serious incident was a penny behind a fuse in a house fire. I had a permit and inspection for work I did on a correction notice issued by the city to prevent a fire. The tenants got tired of blowing the fuse. Fortunately, the fire marshal did a through job of investigating. Unfortunately, the adjuster did not know what a penny behind a fuse meant. After I explained it, I never heard any more until renewal time. There was concern I might not be insurable because of that claim! The world of liability is not about right and wrong or who is really at fault, it is about the deepest pockets and atty’s billable hours.

-- Bob in WW ~ "some old things are lovely, warm still with life ... of the forgotten men who made them." - D.H. Lawrence

View JBrow's profile

JBrow

1366 posts in 1034 days


#13 posted 03-03-2018 02:48 AM

a1Jim,

I have no idea whether United States Liability Insurance Company will meet your needs. They offer umbrella liability insurance coverage. If interested…

http://www.usli.com/

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Andybb

1220 posts in 717 days


#14 posted 03-03-2018 08:05 AM

Is there not a national group or assn. you can join that has group ins?

-- Andy - Seattle USA

View CharlesNeil's profile

CharlesNeil

2433 posts in 3985 days


#15 posted 03-03-2018 12:46 PM

Jim,
My Liability insurance is part of of my property insurance .
I still have Students sign discalimers.
Additionally , I try to demo the table saw and other tools, rather than have them actually do it, if its something they are not comfortable with .
I also have a Saw Stop and wouldnt consider doing a class with out it .
You can buy blanket coverage policies, or we can here in VA,. Many places , if you do a show or similar you have to have a policy , but its just for the specific event .

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