Cristina Barbedo on thu 21 aug 03
Clayart colleagues,
I need advice.
I want to teach pottery out of my friends garage. I was told to get some
liability in order to protect my friend in case that someone decide to sue because
they step on a pebble inside her property. I don't know, I hear so many weird
story of people suing other in this country.
So do you know what kind of precede should i take in order to have people
sign a paper to release my friend of any responsibility?
Does anybody in the list teach pottery from home?
wHAT SHOULD I DO?
thanks.
CB
psci_kw on thu 21 aug 03
> Clayart colleagues,
> I need advice.
> I want to teach pottery out of my friends garage. I was told to get some
> liability in order to protect my friend in case that someone decide to sue
because
> they step on a pebble inside her property. I don't know, I hear so many
weird
> story of people suing other in this country.
> So do you know what kind of precede should i take in order to have people
> sign a paper to release my friend of any responsibility?
> Does anybody in the list teach pottery from home?
> wHAT SHOULD I DO?
> thanks.
> CB
Before you get ANY insurance, check with local zoning, if you have it
and find out if you need a business (or occupational) license to allow
what you are planning to do. Without that, you're running illegal.
If you run illegal, and get sued, I will guarantee you that the court will
find
in favor of whoever is suing you.
YOU cannot get the insurance...Only the homeowner can do that. Yes!
Have them get it. It can either be a separate policy for liability only, or
have them ask their agent if an "Umbrella Liability policy" is available.
People can sign whatever you give them. It doesn't hold up in court.
Because I store business equipment in my home, I carry an umbrella policy
for
an even million$. If one of the company cars gets creamed, or someone
gets hurt anywhere on the property (we do not have clients come to
our home often, but it happens), with the umbrella policy, at least I stand
a
chance of keeping my house.
People sue for the stupidest reasons today, and
(IMHO) most judges/juries awarding damages have their heads up their (ahem.)
A million won't even touch most damage awards, but if the insurance
company can keep it from going to court by settling, I figure that the
people suing were
just looking for a quick buck, and i would then countersue those greedy
bloodsuckers
out for a quick buck at the expense of you and your good name.
Knock (clay on) wood, hasn't happened yet.
Hope that helps,
Wayne in Key West
piedpotterhamelin@COMCAST.NET on fri 22 aug 03
Laws can vary according to state and the insurers' coverage has a large range
as well. Search through the insurance issues found in the potters.org archives
and talk to all small business owners in your area.
Things have really changed here in Massachusetts compared to three years ago
with insurance. Regulations exist as to the what ceramic materials can
be "exposed" to what age groups in the public schools, which I feel are
extremely important guidelines to follow.
Your friend's house coverage could be affected as well.Kiln installation is
similar to having a wood stove and increases the cost.
Is the location business zone? What is the parking situation?
How is the ADA compliance?
Would people use the toilet in her home if the garage does not have one?
Insurance is mandatory and if you want to be a responsible teacher, the idea
is not that simple.
Lastly, I did have one student who was sensitive and allergic to several clay
bodies. The rash wasn't severe, but let us assume it was and required
cortisone shots, cremes and office visits for a person who has no health
insurance. They would come after you to pay the bills.
Rick
> Clayart colleagues,
> I need advice.
> I want to teach pottery out of my friends garage. I was told to get some
> liability in order to protect my friend in case that someone decide to sue
> because
> they step on a pebble inside her property. I don't know, I hear so many weird
> story of people suing other in this country.
> So do you know what kind of precede should i take in order to have people
> sign a paper to release my friend of any responsibility?
> Does anybody in the list teach pottery from home?
> wHAT SHOULD I DO?
> thanks.
> CB
>
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