liability insurance question

[prolix21]

I've got one frame under my belt, which will be a bike I ride so if it fails, I probably won't sue myself. I want to start building more, nothing serious, hobby stuff, maybe a frame or two a year, but I don't have a particular need for that many bikes. Recently suicideking made a post about his first frame and giving it away at a local race which sounded like a cool idea.

I've considered doing something similar to help raise funds for various local cycling org's - however, there has to be some sort of liability issue with doing this. Liability insurance sounds like a must if you're selling your stuff, but wouldn't it also be necessary if you're giving a frame away?

What sort of insurance do you carry and is there anyone in particular that specializes in covering framebuilders?

[e-RICHIE]

It's not that complicated atmo. You have your local agent broker a policy from NIPC in Washington State. The rates are based on gross sales if I recall correctly. The rates are low. They are lower if you bundle them with your other existing policies. Mine is bundled with my homeowners and car insurance and the sum I pay is nearly 60 percent less than what I would pay for the three from different agents (not that I would...). If you get the liability package alone, from a specialist broker, you may be paying more than you need to. Read my lips - bundle the policies.

[Andrew R Stewart]

I don't think the courts find any difference between taking money or not when transfering stuff to another. (Or at least that's the case in drug law, don't ask how I know that... Just passing along the item to your bud next to you is considered trafficing).

The ethical thing to do is just build for yourself or get insurance. The reason for insurance is to make good to the person who was hurt, not to protect your assests. Andy.

[prolix21]

thanks guys, sounds pretty straight forward and i'll do some checking with my ins rep

[Adam Eldridge]

Hey Prolix,

http://whitaker-myers.com/

They're based in Ohio. I've had really great service. Ask for Linda.

330-345-5000

Im getting health insurance for myself and the employee from them as well.

thanks guys, sounds pretty straight forward and i'll do some checking with my ins rep

[Dorman]

Just have to say that Westlake has been a pleasure to deal with. Might be cheaper to bundle, but my home/auto agent really had no clue how to proceed with liability insurance. Laura rocked it.

[e-RICHIE]

Just have to say that Westlake has been a pleasure to deal with. Might be cheaper to bundle, but my home/auto agent really had no clue how to proceed with liability insurance. Laura rocked it.

?? He simply contacts NIPC in Washington State and gets the info for you and it gets submitted on your behalf.
I'm a zealot for this, but I'm also a zealot for my own money. The bundling of policies helps me keep a lot of it
that 2-3 separate invoice-ers would eat up in a heartbeat atmo.