Name: Janis Carlson
Address: Art & Soul Studios
PO Box 2025-467
17300 E. 17th St.
Tustin, CA 92780-2025
This is the second time I’ve subscribed to this list - couldn’t
keep up with it a couple years back, and then I thought it wasn’t
available for awhile…so I’m glad I can receive it again. I
have a small jewelry business in Southern California - mainly
working with sterling/stones /glass. I have an interest in glass
fusing, and am also working on a non-jewelry related business at
the moment - so I haven’t been particularly productive lately
I’m attempting to go back through the archives on this subject,
but I wondered about leasing commercial studio space in an
industrial park. I called an independent insurance agent
regarding coverage, and after explaining that I would be using a
torch, oxy-acetylene, kilns, chemicals, etc., she told me that
those are big red flags to insurance companies - and if she were
to write a policy, she would try to get around it by wording it
so as not to alert them. The other choice, I suppose, was to pay
a much higher than the basic premises liability premium.
Now, insurance is definitely not something I know a lot about
- but I’m not comfortable with the risk of something
happening involving the above equipment, and finding out that she
has misled them by writing the policy in a roundabout manner -
and I’m not covered and/or, even worse…liable for
injury/damage to persons or property. She’s just the first agent
I’ve contacted, but it just got me thinking about all of this. I
was also planning on contacting the fire department to find out
what kind of regulations I need to follow regarding storage of
the gases, chemicals, wiring for the kilns, etc.
Have any of your dealt with this issue, and have found a
reasonable way to handle it?