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Commercial General Liability
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ConnieTerwilliger
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Joined: 07 Dec 2004
Posts: 3327
Location: San Diego - serving the world

PostPosted: Mon Sep 21, 2009 9:45 pm    Post subject: Reply with quote

I have one cat who has knocked over my mic stand more than once. Time to bump up that insurance.

Appreciate the thread - another thing to think about.
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Tim McLaughlin
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Joined: 25 May 2005
Posts: 40
Location: Denver, CO

PostPosted: Thu Sep 24, 2009 10:28 am    Post subject: Reply with quote

I can't count the number of times I've whacked my head on the mic. Then again, I seem to whack my head on lots of stuff. Smile
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melissa eX
MMD


Joined: 20 Oct 2007
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Location: Lower Manhattan, New Amsterdam, the original NYC

PostPosted: Thu Sep 24, 2009 7:53 pm    Post subject: Reply with quote

Watch it Tim. If you hurt yourself badly enough you'll have to sue yourself.
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Lizden
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Joined: 04 Dec 2006
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Location: The dark recesses of my mind

PostPosted: Thu Sep 24, 2009 8:37 pm    Post subject: Reply with quote

Melissa made me LAFF! Laugh
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Tim McLaughlin
Contributor


Joined: 25 May 2005
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Location: Denver, CO

PostPosted: Fri Sep 25, 2009 10:55 am    Post subject: Reply with quote

Melissa, I'll bet there's a lawyer out there somewhere who would take the case.
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melissa eX
MMD


Joined: 20 Oct 2007
Posts: 2717
Location: Lower Manhattan, New Amsterdam, the original NYC

PostPosted: Fri Sep 25, 2009 11:29 am    Post subject: Reply with quote

Sadly, I jest not.

Recently, Wells Fargo sued itself in a foreclosure case where they were both first and second lien holders. The bank hired a FL law firm to file the suit and another firm to defend itself against it.

Our TARP dollars at work.

http://www.foxbusiness.com/story/markets/al-lewis-wells-fargo-bank-sues/
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Lance Blair
M&M


Joined: 03 Jun 2007
Posts: 2240
Location: Atlanta

PostPosted: Fri Sep 25, 2009 1:37 pm    Post subject: Reply with quote

Thanks for the replies. So far I've consulted with three local agents and online insurers of technical/freelance workers and none of them will insure a voice over talent. They don't see the point in this either.

Any advice would be appreciated.
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bransom
DC


Joined: 06 Nov 2008
Posts: 650
Location: St. Louis, MO

PostPosted: Fri Sep 25, 2009 1:43 pm    Post subject: Reply with quote

What form is your business? (sole prop, LLC, corp, etc.?) Maybe if you're a sole prop, that's the issue. But, really, I should think that SOMEONE would be willing to take your money for general liability. I mean, we're talking insurance companies.

My policy, by the way, is through State Farm.
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bobsouer
Frequent Flyer


Joined: 15 Jul 2006
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Location: Pittsburgh, PA

PostPosted: Fri Sep 25, 2009 1:44 pm    Post subject: Reply with quote

Mine is through Met Life.
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Bruce
Boardmeister


Joined: 06 Jun 2005
Posts: 7519
Location: Portland, OR

PostPosted: Fri Sep 25, 2009 5:11 pm    Post subject: Reply with quote

Maybe you just need a general liability "umbrella" policy on top of your home policy. They only kick in when you're regular liability can't cover a claim and so they're quite cheap.

B
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Lance Blair
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Joined: 03 Jun 2007
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Location: Atlanta

PostPosted: Fri Sep 25, 2009 5:47 pm    Post subject: Reply with quote

Two different State Farm agents said no. The good news is I wrote to my client about the troubles I was having trying to get this insurance, and they've agreed to waive it. That means the contract gets signed on Monday, and I'm a very happy camper.
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bransom
DC


Joined: 06 Nov 2008
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Location: St. Louis, MO

PostPosted: Fri Sep 25, 2009 7:45 pm    Post subject: Reply with quote

Excellent!
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Deirdre
Czarina Emeritus


Joined: 10 Nov 2004
Posts: 12965
Location: East Jesus, Maine

PostPosted: Fri Sep 25, 2009 8:54 pm    Post subject: Reply with quote

I love your client, just because they are flexible.
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bobsouer
Frequent Flyer


Joined: 15 Jul 2006
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Location: Pittsburgh, PA

PostPosted: Fri Sep 25, 2009 8:57 pm    Post subject: Reply with quote

Lance,

An excellent outcome. Good for you!
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Bill Campbell
DC


Joined: 09 Mar 2007
Posts: 621

PostPosted: Sat Sep 26, 2009 3:34 am    Post subject: Reply with quote

Good news Lance.

FYI - two commercial studios I've owned were both insured through The Hartford, one of the few companies that insure recording studios.
It costs $500 a year.
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