liability insurance

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Agnes said: Feb 9, 2012
Agnes Miklos-IllesPiano
Albany, CA
1 posts

I am teaching piano in studio that I am renting outside of our home.
I am looking for a liability insurance for a reasonable prize that would cover both my regular business activities
and also my summer camp program. Any suggestions?

Best wishes,
Agnes

Agnes

Jian Ni Song said: Feb 9, 2012
Jian Ni Song
Suzuki Association Member
Violin, Suzuki Early Childhood Education, Viola
3 posts

Wellsfargo offers all types of insurance.

Paula Bird said: Feb 9, 2012
 
Suzuki Association Member
Violin, Piano, Viola
Wimberley, TX
386 posts

My landlord required premises liability insurance, and I called every insurance in town. The company I got placed with is Zurich Insurance Company. I would call insurance agents and ask for their help. This is a tax deductible expense for you.

Paula E. Bird
TX State University
Wildflower Suzuki Studio
http://teachsuzuki.blogspot.com (blog)
http://teachsuzuki.com (podcast)

Gwen Montgomery said: Feb 9, 2012
Gwen MontgomeryViolin
Albuquerque, NM
2 posts

Hello Agnes: I don’t know what state you reside in, but I just switched from Allstate to AAA (Triple A Auto Club.) I am getting full coverage, both personal & private of all my instruments & the townhouse that I rent for less money than I was paying before. Gwen Montgomery in New Mexico

Julie Stroud said: Feb 9, 2012
Julie StroudViolin, Viola
11 posts

I get my liability insurance as a rider to my homeowner’s policy. We’re with Amica. It doesn’t cover my instruments though, because I use them professionally.

Julie

Julie Stroud
Violinnovation.com

Peter MacKinnon said: Feb 9, 2012
 
Suzuki Association Member
Piano
Peterborough, ON
2 posts

Hello Agnes,

You might try group policies from other organizations to which you
belong (SAA do not offer these, as far as I know). Besides SAA, I’m
a member of the Ontario Registered Music Teachers Association, and
they offer to members an optional $5 million liability policy, for an
annual pemium of $27, which is extremely low.

Best regards,

Peter MacKinnon

Jian Ni Song said: Feb 9, 2012
Jian Ni Song
Suzuki Association Member
Violin, Suzuki Early Childhood Education, Viola
3 posts

$27 is super cheap. Mine with Wellsfargo is $250.

Lori Bolt said: Feb 10, 2012
Lori Bolt
Suzuki Association Member
Piano
San Clemente, CA
226 posts

I use AAA renter’s insurance (I teach from home) w/ an added provision for Business Pursuits. I believe it costs me about $140 per year. Does the owner of the space you rent carry any kind of insurance which you might add on to?

Lori Bolt

Mikaela said: Feb 10, 2012
Mikaela CashViolin, Viola
28 posts

I use Country, and when I initially called them about liability insurance, they quoted me $300+. So, I started calling around, but the first company I called told me immediately I could get the liability insurance on my homeowner’s policy, and that my insurance company was just trying to rip me off. So I called them back and insisted they give me a quote for liability on my homeowner’s policy…sure enough, $30 or so for 1 million in coverage!

Please re-evaluate your insurance if you’re paying over $50!

Lori Bolt said: Feb 11, 2012
Lori Bolt
Suzuki Association Member
Piano
San Clemente, CA
226 posts

To clarify my answer re: the cost I quoted—that is my entire Renter’s policy premium, covering our household. The Business Use portion costs about $7 within than premium, but Liability seems to be included in the policy.

Lori Bolt

Katherine said: Sep 4, 2013
 
Suzuki Association Member
Violin
75 posts

I am just wondering if anyone has any experience with this. I have been using a public elementary school for group lessons 2X/month. The school informed me that I need to obtain GL insurance. My insurance co gave me a quote of $500. This seems so expensive for less than 4 hours a month of use for 10 kids! Does this seem typical, or should I look around further for another policy? (Or another location for lessons!?)

Michelle McManus Welch said: Sep 4, 2013
 
Suzuki Association Member
Violin, Viola
Lindenhurst, IL
42 posts

YUP. I no longer teach there. It would have cost me 3X your quote. It’s ridiculous as you would be duplicating their coverage but it is as it is. Find somewhere else (IMHO!)

Michelle Mc Manus Welch

Michelle Mc Manus Welch

Christine said: Sep 4, 2013
Christine Goodner
Suzuki Association Member
Violin, Suzuki Early Childhood Education, Viola
Hillsboro, OR
68 posts

I do carry a business liability policy and add the locations where I teach group class, hold recitals etc as an additional insured on my policy. That being said, my policy is $300 for the year and covers multiple locations and teaching out of my home. I would shop around for other quotes if you continue to need a policy like that.

Christine Goodner

Studio Website: Brookside Suzuki Strings

Blog: The Suzuki Triangle

“When Love is Deep, Much can be Accomplished” ~ Suzuki

MaryLou Roberts said: Sep 4, 2013
MaryLou RobertsTeacher Trainer
Institute Director
Suzuki Association Member
Guitar
Ann Arbor, MI
244 posts

Look in to being a rider on the public schools policy, I think it’s less expensive if they will do it.

Alissa said: Sep 4, 2013
Alissa Rieb
Suzuki Association Member
Violin, Suzuki in the Schools, Viola
61 posts

I have liability through ASTAs recommended agents. It’s $240/year. Did
they say what level you needed? There are three levels through these guys
and it could be even lower rates if you pick a lower insurance level. I’ll
try and find their exact info in my records.

Katherine said: Sep 4, 2013
 
Suzuki Association Member
Violin
75 posts

Wow thank you for all the responses. The school was not specific about what coverage I need, just that I need general liability insurance. I wondered about a rider on their insurance I have no idea how that works, but I will ask about that. It does seem redundant—I can’t believe they don’t cover all of this liability anyway. Apparently this is a new policy and part of an overall new “school security” policy.

Mikaela said: Sep 5, 2013
Mikaela CashViolin, Viola
28 posts

Katherine,

You should insist that your insurance company quote you the price for general liability as a rider on your homeowner policy. They do not want to do this—they want you to pay business insurance for a couple hundered dollars! Stand your ground or go elsewhere. I teach weekly at a public school, and they require general liability insurance (I think it’s pretty standard for schools to require that). I only pay $30 a year in insurance. Don’t pay $500!!!!

Jennifer Visick said: Sep 6, 2013
Jennifer VisickForum Moderator
Suzuki Association Member
Viola, Suzuki in the Schools, Violin
998 posts

Our local Suzuki Music Association of California offers liability insurance to all its branches for their teaching workshops, concerts, rehearsals, etc.

Irene Mitchell said: Sep 6, 2013
Irene Mitchell
Suzuki Association Member
Violin, Viola
Dallas, TX
111 posts

Texas Music Educators Association carries a $1 million liability policy for teachers in Texas. It costs $30 past yearly TMEA dues of $50:
http://www.tmea.org/membership/membership-benefits
As a rider to my homeowners policy, I can also get the same thing for my home studio (but it doesn’t cover other locations). Hope your state has something comparable, check with the MENC branch.

Irene Mitchell

Katherine said: Sep 6, 2013
 
Suzuki Association Member
Violin
75 posts

Thanks everyone. I looked into ASTA and apparently I can get this coverage (need to renew my membership) for $326. That’s a little better than $500 but still so expensive for what little time I spend using this space! I also looked at NAfME and it was very similar quote.

Mikaela, this is what I got back from my insurance agent regarding a rider. I do basically trust him b/c he is a long-term friend of my husband’s. I wonder if costs and available options are just very different across the country. To get the quote from the association insurance providers I had to submit my zip code.

The short answer is no and I suspect that there is a misunderstanding about what the rider covers. The $30 cost is approximately what some companies charge for the endorsement (rider) that allows incidental occupancies in the home for music, art lessons, etc. Your Fireman’s Fund policy already includes this coverage for no additional charge. We did contact an underwriter to see if there was a Homeowners endorsement available that we were not aware of to cover this exposure and the answer was absolutely no. She went on to state that a Homeowners insurer would never give a certificate of insurance to a school or county and that if an agent did issue a certificate, the agency better have great Errors & Omissions coverage.

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