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What’s Going On In The Shop
Kyle – Miter video, finishing the table, made another chaos vase, went to Maker Faire.
Sean – Finish on the mantle
Main Topic – In over your head.
Listener Questions, Email, and Comments:
David Boardman – Hey guys!
Now the coverage for my new shop. I called around and got a couple quotes but I ended up using Farmers (which is funny as you guys made the farmers slogan sound in the podcast). They are basically acting as a broker as the actual insurance is through someone else. The policy I ended up with covers my tools (100k) overkill, the building (100k), faulty building (500k), and myself (100k). The policy runs $100 a month, which I thought was very reasonable. The faulty building was a huge bonus as it covers me if I build something and it causes damage to others or their home.
Richard Miller – Hey, gang — love the show!
Mike – Hey guys I love the podcast. I am one of few people, at least I assume, listening to the podcast who is not a woodworker, at least not yet. I work for a major insurance carrier and asked around to get some opinions relating to the insurance question you got last week. In the purest and simplest terms Sean is correct, if you run a business out of your home your home owners insurance would not cover equipment, products, or materials associated with your business in the event of a claim. However, there is a fine line between a “hobby” and a “business”. For people like Brian and Kyle they would definitely want business insurance as this is a full time job. Anyone who has filed their business with the state should consider adding business coverage as well. If it is such a small amount that you aren’t claiming the income on your taxes then it’s probably not something to worry about. If you have a claim maybe avoid telling the adjuster about your business or business income, remember it’s a hobby. And as any insurance/safety nerd will tell you, you should verify this with an insurance broker in your area who is familiar with this type of business. Keep the great shows coming.
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