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Liability Insurance

Discussion in 'Picture Framing Business Issues' started by Less, Oct 5, 2002.

  1. Less

    Less SGF, Supreme Grumble Framer

    So, you accidentally damaged an irreplaceable item, and your customers say it’s worth $2000 and they have documentation to prove it.

    What will you do?

    What happens if you poke a hole in that $25,000 oil painting, or tear that $100,000 watercolor, or damage that $3000 antique sampler?

    Are you insured against accidental damage of work to be framed, damaged by you?

    Are you insured for the work that is in your possession from flood, fire, and theft?

    These are two very different insurances.
     
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  2. Framing Goddess

    Framing Goddess SGF, Supreme Grumble Framer

    Yep, that's why I have CAPAX, through PPFA.
    It's not just "personal property," it is optional coverage known (I think) as "Customers Goods Extension." You have to ask for it. State Farm does not cover damage to art by you, even though they say they do.
    There is lots in the archives on this topic.
     
  3. Mike Labbe

    Mike Labbe Member, Former moderator team volunteer

    <somehow one of my posts got in this thread due to a system error. deleted by Mike and moved to correct thread>
     
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