I do cabinetmaking, refinishing and on site touch ups. I'm doing it part time but i still need to protect myself because the chemicals I use.... Should they get on a carpet, or god forbid someones house catches on fire or i start a flood from a screw I put into a water line....
What type of insurance do u small shops have? I also work out of my home and am spraying flammable chemicals. I do however have an explosion proof heater for the colder days.
What type of ins do u guys have for on the road and in the shop....shop meaning if mr house catches fire and ins co finds out i could be screwed.
You need to evaluate what you are doing in light of more than just insurance. Particularly zoning laws. You could have good insurance coverage, but if you are in violation of zoning or other laws, they will not pay. Get legit.
spaying flammables in your home?? Like the previous post said. Go legit or you could wind up in big trouble. you will not get insurance under your present situation. Many of us started in our garage and we feel for your situation, but you are taking some feally big chances. Harold.
Why not go back to when you were 'legit' and copy the types of insurance you had then? I am sure it is similar to what James M suggests.
My point is that even if you have full and wide coverage, paid in full, if you are in violation of even seemingly insignificant things, your claim will be denied. Read the policy. The fact you ask such a question here.......
Unfortunately None of us here can see thru a computer screen on a forum, the posters who offered some decent input are regular and reasonably decent contributors, I have been here with them for years. I can only imagine whatever caused your response but hey like I said its a computer screen. all of us used our real names it is easy enough to find our businesses and we post to help, sometimes we cannot see if the person is friendly or upset. I took your post to mean damage in peoples homes, personally I will not set foot in residential for no one, call me anything one wishes but hey "its my thing" on the issue of words,, one can have different views, I look at the word "Cheap" as a level of Quality not a price.
General liability and completed products should cover you adequately .Talk to an insurance agent .Check on local rules as well.
You can get the general liability and such without covering your shop building if the zoning is wrong you would be covered when working elsewhere .
Your secondary responses contradict the open attitude in your first post. Why the angst? Don't like the responses? Want to shoot the messengers?
Spraying finishes in a residence where you live will cause real physical damage - slowly by inhalation, or quickly as in flash fire. No 'insurance' will help you thru either problem.
As you no doubt learned when you were "legit", any insurance agent will inspect the premises he is insuring and will base his rate on what he finds. It is his risk, he has the right to do this. If you deceive him ("No, no finishing in here, sir") and there is a claim, even if it has nothing to do with finishing, they will not pay.
You asked for advice from professionals and got it. The fact is you don't like what you hear, about insurance or what you hear from fellow woodworkers.
By the way, if you do blow up your own house/shop, you just lose (no matter whether it is a mortgage, rental or if you own it free and clear), and then have nothing to fall back on, so any lawsuit is a waste of time. If you burn down a client's house, they will try to sue, find you have nothing, and then probably go away. So.....why worry about it?
When I moved from a shared 2500 sq ft commercial space to a purpose-built shop behind my home not being able to get insurance was the biggest hurdle that almost killed the deal, even though I do no finishing and have no plans to. This was a few years after 9/11 and getting new insurance for anything was next to impossible. My commercial insurer told me flat out they would have to drop me if I became a residential based business. I was finally able to get my homeowners insurance company to insure both home and business since they also had a commercial line. After they inspected the new shop they raised my rates $3K per year since I was now in an all-wood building and, as they said, if the business burned down they would have to pay for the house too. Gulp.
We've since moved back into a larger commercial space and have separate insurance policies again. General liability and completed operations, business contents including in transit and at job sites, auto including non-owned autos, workers' comp, and a $2M umbrella policy. We do a lot of work in expensive homes and high-rises but with the type of work we do the exposure is relatively low, we're closer to delivery people or painters than carpenters in terms of risk to people and property.
I would think that if you come clean with your insurer they might offer coverage on your home that specifically excludes anything caused by spraying or storing flammable materials, especially if you've taken steps to minimize your exposure with proper flammable material storage and handling and decent ventilation. That way a least you'd be covered for all the normal risks that everyone else faces and you can take your own steps to minimize your risk of blowing yourself and your house up.
Just contact an insurance broker and all of your questions will be answered. It is free and it will be cast in stone. If he says that you have no problem spraying flammables in a garage or in customer's homes then you are good to go. You know that is not going to happen.
FORUM GUIDELINES: Please review the guidelines below before posting at WOODWEB's Interactive Message Boards(return to top)
WOODWEB is a professional industrial woodworking site. Hobbyist and homeowner woodworking questions are inappropriate.
Messages should be kept reasonably short and on topic, relating to the focus of the forum. Responses should relate to the original question.
A valid email return address must be included with each message.
Advertising is inappropriate. The only exceptions are the Classified Ads Exchange, Machinery Exchange, Lumber Exchange, and Job Opportunities and Services Exchange. When posting listings in these areas, review the posting instructions carefully.
Subject lines may be edited for length and clarity.
"Cross posting" is not permitted. Choose the best forum for your question, and post your question at one forum only.
Messages requesting private responses will be removed - Forums are designed to provide information and assistance for all of our visitors. Private response requests are appropriate at WOODWEB's Exchanges and Job Opportunities and Services.
Messages that accuse businesses or individuals of alleged negative actions or behavior are inappropriate since WOODWEB is unable to verify or substantiate the claims.
Posts with the intent of soliciting answers to surveys are not appropriate. Contact WOODWEB for more information on initiating a survey.
Excessive forum participation by an individual upsets the balance of a healthy forum atmosphere. Individuals who excessively post responses containing marginal content will be considered repeat forum abusers.
Responses that initiate or support inappropriate and off-topic discussion of general politics detract from the professional woodworking focus of WOODWEB, and will be removed.
Participants are encouraged to use their real name when posting. Intentionally using another persons name is prohibited, and posts of this nature will be removed at WOODWEB's discretion.
Carefully review your message before clicking on the "Send Message" button - you will not be able to revise the message once it has been sent.
You will be notified of responses to the message(s) you posted via email. Be sure to enter your email address correctly.
WOODWEB's forums are a highly regarded resource for professional woodworkers. Messages and responses that are crafted in a professional and civil manner strengthen this resource. Messages that do not reflect a professional tone reduce the value of our forums.
Messages are inappropriate when their content: is deemed libelous in nature or is based on rumor, fails to meet basic standards of decorum, contains blatant advertising or inappropriate emphasis on self promotion (return to top).
Libel: Posts which defame an individual or organization, or employ a tone which can be viewed as malicious in nature. Words, pictures, or cartoons which expose a person or organization to public hatred, shame, disgrace, or ridicule, or induce an ill opinion of a person or organization, are libelous.
Improper Decorum: Posts which are profane, inciting, disrespectful or uncivil in tone, or maliciously worded. This also includes the venting of unsubstantiated opinions. Such messages do little to illuminate a given topic, and often have the opposite effect. Constructive criticism is acceptable (return to top).
Advertising: The purpose of WOODWEB Forums is to provide answers, not an advertising venue. Companies participating in a Forum discussion should provide specific answers to posted questions. WOODWEB suggests that businesses include an appropriately crafted signature in order to identify their company. A well meaning post that seems to be on-topic but contains a product reference may do your business more harm than good in the Forum environment. Forum users may perceive your references to specific products as unsolicited advertising (spam) and consciously avoid your web site or services. A well-crafted signature is an appropriate way to advertise your services that will not offend potential customers. Signatures should be limited to 4-6 lines, and may contain information that identifies the type of business you're in, your URL and email address (return to top).
Repeated Forum Abuse:
Forum participants who repeatedly fail to follow WOODWEB's Forum Guidelines may encounter difficulty when attempting to post messages.
There are often situations when the original message asks for opinions: "What is the best widget for my type of shop?". To a certain extent, the person posting the message is responsible for including specific questions within the message. An open ended question (like the one above) invites responses that may read as sales pitches. WOODWEB suggests that companies responding to such a question provide detailed and substantive replies rather than responses that read as a one-sided product promotion. It has been WOODWEB's experience that substantive responses are held in higher regard by our readers (return to top).
The staff of WOODWEB assume no responsibility for the accuracy, content, or outcome of any posting transmitted at WOODWEB's Message Boards. Participants should undertake the use of machinery, materials and methods discussed at WOODWEB's Message Boards after considerate evaluation, and at their own risk. WOODWEB reserves the right to delete any messages it deems inappropriate. (return to top)
Forum Posting Form Guidelines
The name you enter in this field will be the name that appears with your post or response (return to form).
Personal or business website links must point to the author's website. Inappropriate links will be removed without notice, and at WOODWEB's sole discretion. WOODWEB reserves the right to delete any messages with links it deems inappropriate. (return to form)
Your e-mail address will not be publicly viewable. Forum participants will be able to contact you using a contact link (included with your post) that is substituted for your actual address. You must include a valid email address in this field. (return to form)
Subject may be edited for length and clarity. Subject lines should provide an indication of the content of your post. (return to form)
Thread Related Link and Image Guidelines
Thread Related Links posted at WOODWEB's Forums and Exchanges should point to locations that provide supporting information for the topic being discussed in the current message thread. The purpose of WOODWEB Forums is to provide answers, not to serve as an advertising venue. A Thread Related Link that directs visitors to an area with inappropriate content will be removed. WOODWEB reserves the right to delete any messages with links or images it deems inappropriate. (return to form)
Thread Related File Uploads
Thread Related Files posted at WOODWEB's Forums and Exchanges should provide supporting information for the topic being discussed in the current message thread. Video Files: acceptable video formats are: .MOV .AVI .WMV .MPEG .MPG .FLV .MP4 (Image Upload Tips) If you encounter any difficulty when uploading video files, E-mail WOODWEB for assistance. The purpose of WOODWEB Forums is to provide answers, not to serve as an advertising venue. A Thread Related File that contains inappropriate content will be removed, and uploaded files that are not directly related to the message thread will be removed. WOODWEB reserves the right to delete any messages with links, files, or images it deems inappropriate. (return to form)
The editors, writers, and staff at WOODWEB try to promote safe practices.
What is safe for one woodworker under certain conditions may not be safe
for others in different circumstances. Readers should undertake the use
of materials and methods discussed at WOODWEB after considerate evaluation,
and at their own risk.