Re: [Repeater-Builder] Off-Topic: Shop liability insurance
*Product* liability would be the responsibility of the manufacturer. Do you REALLY want to assume responsibility should something happen due to a product you sold? (like someone took the antenna off, and got an RF burn from transmitting while sticking their finger in the antenna plug) I really don't think they will be able to get that from anyone. I can see their point for a product used in the manufacture of their products, but that should not apply to tools used for their business. I have to wonder if THEY have liability for their business and their products. Joe M. Scott Zimmerman wrote: > Well... They claim they want product liability insurance for any > products received on property. Not just installed, but SOLD!! > > I talked with one of the purchasing agents and they said they can no > longer go out and buy a box of bolts at the local hardware store and use > those in the manufacturing process since the vendor of those bolts won't > insure them.
Re: [Repeater-Builder] Off-Topic: Shop liability insurance
On 5/19/2010 3:03 PM, Scott Zimmerman wrote: > Input appreciated. > Re: Liability insurance... The whole thing is amazing... you can buy the insurance, but it won't pay for the lawsuit or the lawyers... so what's the point? That's what will drive most small businesses bankrupt anyway... the costs of the lawyers. Even if no liability is found. All someone has to do is pull the lawsuit against you and your profit margin is toast. I like the idea someone else had... get a quote on the insurance, and pass it along to them, along with a mandatory arbitration clause for anything they buy from you. If they blink, walk away. Nate Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/Repeater-Builder/ <*> Your email settings: Individual Email | Traditional <*> To change settings online go to: http://groups.yahoo.com/group/Repeater-Builder/join (Yahoo! ID required) <*> To change settings via email: repeater-builder-dig...@yahoogroups.com repeater-builder-fullfeatu...@yahoogroups.com <*> To unsubscribe from this group, send an email to: repeater-builder-unsubscr...@yahoogroups.com <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
RE: [Repeater-Builder] Off-Topic: Shop liability insurance
Scott, Run, don't walk away from them. If they are a manufacture of any product and want the manufacture of any parts used in the manufacture of the product they make, good luck in a law suit. They might be able to get this in court, but I don't think the courts will allow the manufacture to include another vendor or supplier of parts unless they could prove that the parts supplied were defective or caused the failure. In most cases the final manufacture is responsible for the proper testing of their product to insure product reliability. If I was a supplier of parts to them and they requested that I provide them with liability insurance for the parts I supplied I would tell them to look elsewhere. Sound like a company that has a scary past and is looking at someone else to blame for there failures. Just my $0.02 worth. Please provide the name of the company requesting this so we can all STAY AWAY. Thanks, Charles Miller
Re: [Repeater-Builder] Off-Topic: Shop liability insurance
been doing that for 20 years on all the security and sound systems we sell about 1 to 2 million in coverage our govt. customers want. - Original Message - From: "Scott Zimmerman" To: Sent: Wednesday, May 19, 2010 5:03 PM Subject: [Repeater-Builder] Off-Topic: Shop liability insurance > For those that are on the list that own their own two-way shop: > > Who do you use for a liability carrier and what is your typical > monthly/yearly premium? > > I have a customer I have been dealing with for about 8 years that has > decided they won't do business with anyone that does not have liability > insurance on the products they vend. It seems rather stupid to me, but I > guess that's what happens when lawyers get involved. > > Input appreciated. > > Scott > > Scott Zimmerman > Amateur Radio Call N3XCC > 474 Barnett Road > Boswell, PA 15531 > > > > > > > Yahoo! Groups Links > > >
RE: [Repeater-Builder] Off-Topic: Shop liability insurance
I concur with some of the other response's you have received so far. I would inform them that it has been nice doing business with them but their requirement to have liability insurance for a product sold to them IE. A radio or part covered under the manufactures warranty will be all that they will receive as this is not a standard business practice and if they still insist on it they can be told ok here is the yearly fee to do business with my shop and pass the direct cost of the insurance on to them with whatever labor overhead cost you have to process the insurance. They may find out that they will not be able to even get a bolt to make their product from others as well. Stan From: Repeater-Builder@yahoogroups.com [mailto:repeater-buil...@yahoogroups.com] On Behalf Of Scott Zimmerman Sent: Wednesday, May 19, 2010 4:42 PM To: Repeater-Builder@yahoogroups.com Subject: Re: [Repeater-Builder] Off-Topic: Shop liability insurance Well... They claim they want product liability insurance for any products received on property. Not just installed, but SOLD!! I talked with one of the purchasing agents and they said they can no longer go out and buy a box of bolts at the local hardware store and use those in the manufacturing process since the vendor of those bolts won't insure them. I think they are trying to limit THEIR liability by being able to pass the blame onto their vendors. Quite frankly I don't see how a portable radio could be a liability issue, but I'm a technician, not a lawyer. At any rate, I was just trying to find out what the average sole proprietor pays for liability insurance. Scott Scott Zimmerman Amateur Radio Call N3XCC 474 Barnett Road Boswell, PA 15531 Stanley Stanukinos wrote: > Scott, I am confused? Do they mean liability insurance for the product you > are installing or a general liability policy for when you are doing work on > their property? If it is for the product you are installing I would push > back and try to find out what they are talking about. It may be someone in > their purchasing department has gone off the rocker and misinterpreted a > directive. > > Stan > > -Original Message- > From: Repeater-Builder@yahoogroups.com <mailto:Repeater-Builder%40yahoogroups.com> > [mailto:Repeater-Builder@yahoogroups.com <mailto:Repeater-Builder%40yahoogroups.com> ] On Behalf Of Scott Zimmerman > Sent: Wednesday, May 19, 2010 4:04 PM > To: Repeater-Builder@yahoogroups.com <mailto:Repeater-Builder%40yahoogroups.com> > Subject: [Repeater-Builder] Off-Topic: Shop liability insurance > > For those that are on the list that own their own two-way shop: > > Who do you use for a liability carrier and what is your typical > monthly/yearly premium? > > I have a customer I have been dealing with for about 8 years that has > decided they won't do business with anyone that does not have liability > insurance on the products they vend. It seems rather stupid to me, but I > guess that's what happens when lawyers get involved. > > Input appreciated. > > Scott > > Scott Zimmerman > Amateur Radio Call N3XCC > 474 Barnett Road > Boswell, PA 15531 > > > > > > > Yahoo! Groups Links > > > > > > > > > > Yahoo! Groups Links > > > >
Re: [Repeater-Builder] Off-Topic: Shop liability insurance
I think they are going to be extremly short of suppliers very soon! As far as "average " liability insurance is concerned it varies on the scope of your business practice. I am required to have a 2 mill liability policy on a tower space I rent. costs me about $100 a month. Needless to say with the economy and nextel, I will be shutting that site down shortly if things don't pick up. It is far cheaper to own you own tower site and contract out installs and service with a "capitation" It seems to be working as the small shops need the extra install and service, in turn I just sit back and collect rental and of course just service my tower. --- On Wed, 5/19/10, Scott Zimmerman wrote: From: Scott Zimmerman Subject: Re: [Repeater-Builder] Off-Topic: Shop liability insurance To: Repeater-Builder@yahoogroups.com Date: Wednesday, May 19, 2010, 5:42 PM Well... They claim they want product liability insurance for any products received on property. Not just installed, but SOLD!! I talked with one of the purchasing agents and they said they can no longer go out and buy a box of bolts at the local hardware store and use those in the manufacturing process since the vendor of those bolts won't insure them. I think they are trying to limit THEIR liability by being able to pass the blame onto their vendors. Quite frankly I don't see how a portable radio could be a liability issue, but I'm a technician, not a lawyer. At any rate, I was just trying to find out what the average sole proprietor pays for liability insurance. Scott Scott Zimmerman Amateur Radio Call N3XCC 474 Barnett Road Boswell, PA 15531 Stanley Stanukinos wrote: > Scott, I am confused? Do they mean liability insurance for the product you > are installing or a general liability policy for when you are doing work on > their property? If it is for the product you are installing I would push > back and try to find out what they are talking about. It may be someone in > their purchasing department has gone off the rocker and misinterpreted a > directive. > > Stan > > -Original Message- > From: Repeater-Builder@yahoogroups.com > [mailto:repeater-buil...@yahoogroups.com] On Behalf Of Scott Zimmerman > Sent: Wednesday, May 19, 2010 4:04 PM > To: Repeater-Builder@yahoogroups.com > Subject: [Repeater-Builder] Off-Topic: Shop liability insurance > > For those that are on the list that own their own two-way shop: > > Who do you use for a liability carrier and what is your typical > monthly/yearly premium? > > I have a customer I have been dealing with for about 8 years that has > decided they won't do business with anyone that does not have liability > insurance on the products they vend. It seems rather stupid to me, but I > guess that's what happens when lawyers get involved. > > Input appreciated. > > Scott > > Scott Zimmerman > Amateur Radio Call N3XCC > 474 Barnett Road > Boswell, PA 15531 > > > > > > > Yahoo! Groups Links > > > > > > > > > > Yahoo! Groups Links > > > >
Re: [Repeater-Builder] Off-Topic: Shop liability insurance
Well... They claim they want product liability insurance for any products received on property. Not just installed, but SOLD!! I talked with one of the purchasing agents and they said they can no longer go out and buy a box of bolts at the local hardware store and use those in the manufacturing process since the vendor of those bolts won't insure them. I think they are trying to limit THEIR liability by being able to pass the blame onto their vendors. Quite frankly I don't see how a portable radio could be a liability issue, but I'm a technician, not a lawyer. At any rate, I was just trying to find out what the average sole proprietor pays for liability insurance. Scott Scott Zimmerman Amateur Radio Call N3XCC 474 Barnett Road Boswell, PA 15531 Stanley Stanukinos wrote: > Scott, I am confused? Do they mean liability insurance for the product you > are installing or a general liability policy for when you are doing work on > their property? If it is for the product you are installing I would push > back and try to find out what they are talking about. It may be someone in > their purchasing department has gone off the rocker and misinterpreted a > directive. > > Stan > > -Original Message- > From: Repeater-Builder@yahoogroups.com > [mailto:repeater-buil...@yahoogroups.com] On Behalf Of Scott Zimmerman > Sent: Wednesday, May 19, 2010 4:04 PM > To: Repeater-Builder@yahoogroups.com > Subject: [Repeater-Builder] Off-Topic: Shop liability insurance > > For those that are on the list that own their own two-way shop: > > Who do you use for a liability carrier and what is your typical > monthly/yearly premium? > > I have a customer I have been dealing with for about 8 years that has > decided they won't do business with anyone that does not have liability > insurance on the products they vend. It seems rather stupid to me, but I > guess that's what happens when lawyers get involved. > > Input appreciated. > > Scott > > Scott Zimmerman > Amateur Radio Call N3XCC > 474 Barnett Road > Boswell, PA 15531 > > > > > > > Yahoo! Groups Links > > > > > > > > > > Yahoo! Groups Links > > > >
RE: [Repeater-Builder] Off-Topic: Shop liability insurance
1) As we all know you need at least liability insurance on your business. 2) Since most manufacturers hold themselves "not responsible" for ANYTHING (incidental damage) other than replacement or repair during the warranty period a customer does have the legal right to TRY to contract you to do so. I don't have any customers that have pulled that stunt but it is not unheard of. I would try to reason with them. If that does not work, I personally would drop them. Sounds kinda fishy after 8 yrs of dealing with them. Just my opinion!!! --- On Wed, 5/19/10, Stanley Stanukinos wrote: From: Stanley Stanukinos Subject: RE: [Repeater-Builder] Off-Topic: Shop liability insurance To: Repeater-Builder@yahoogroups.com Date: Wednesday, May 19, 2010, 5:24 PM Scott, I am confused? Do they mean liability insurance for the product you are installing or a general liability policy for when you are doing work on their property? If it is for the product you are installing I would push back and try to find out what they are talking about. It may be someone in their purchasing department has gone off the rocker and misinterpreted a directive. Stan -Original Message- From: Repeater-Builder@yahoogroups.com [mailto:repeater-buil...@yahoogroups.com] On Behalf Of Scott Zimmerman Sent: Wednesday, May 19, 2010 4:04 PM To: Repeater-Builder@yahoogroups.com Subject: [Repeater-Builder] Off-Topic: Shop liability insurance For those that are on the list that own their own two-way shop: Who do you use for a liability carrier and what is your typical monthly/yearly premium? I have a customer I have been dealing with for about 8 years that has decided they won't do business with anyone that does not have liability insurance on the products they vend. It seems rather stupid to me, but I guess that's what happens when lawyers get involved. Input appreciated. Scott Scott Zimmerman Amateur Radio Call N3XCC 474 Barnett Road Boswell, PA 15531 Yahoo! Groups Links
Re: [Repeater-Builder] Off-Topic: Shop liability insurance
Scott, Screw 'em. You don't need them. 73 de Lee K4LJP On Wed, May 19, 2010 at 5:24 PM, Stanley Stanukinos wrote: > > > Scott, I am confused? Do they mean liability insurance for the product you > are installing or a general liability policy for when you are doing work on > their property? If it is for the product you are installing I would push > back and try to find out what they are talking about. It may be someone in > their purchasing department has gone off the rocker and misinterpreted a > directive. > > Stan > > > -Original Message- > From: Repeater-Builder@yahoogroups.com > [mailto:Repeater-Builder@yahoogroups.com] > On Behalf Of Scott Zimmerman > Sent: Wednesday, May 19, 2010 4:04 PM > To: Repeater-Builder@yahoogroups.com > Subject: [Repeater-Builder] Off-Topic: Shop liability insurance > > For those that are on the list that own their own two-way shop: > > Who do you use for a liability carrier and what is your typical > monthly/yearly premium? > > I have a customer I have been dealing with for about 8 years that has > decided they won't do business with anyone that does not have liability > insurance on the products they vend. It seems rather stupid to me, but I > guess that's what happens when lawyers get involved. > > Input appreciated. > > Scott > > Scott Zimmerman > Amateur Radio Call N3XCC > 474 Barnett Road > Boswell, PA 15531 > > > > Yahoo! Groups Links > > > -- "Always drink upstream from the herd."
RE: [Repeater-Builder] Off-Topic: Shop liability insurance
Scott, I am confused? Do they mean liability insurance for the product you are installing or a general liability policy for when you are doing work on their property? If it is for the product you are installing I would push back and try to find out what they are talking about. It may be someone in their purchasing department has gone off the rocker and misinterpreted a directive. Stan -Original Message- From: Repeater-Builder@yahoogroups.com [mailto:repeater-buil...@yahoogroups.com] On Behalf Of Scott Zimmerman Sent: Wednesday, May 19, 2010 4:04 PM To: Repeater-Builder@yahoogroups.com Subject: [Repeater-Builder] Off-Topic: Shop liability insurance For those that are on the list that own their own two-way shop: Who do you use for a liability carrier and what is your typical monthly/yearly premium? I have a customer I have been dealing with for about 8 years that has decided they won't do business with anyone that does not have liability insurance on the products they vend. It seems rather stupid to me, but I guess that's what happens when lawyers get involved. Input appreciated. Scott Scott Zimmerman Amateur Radio Call N3XCC 474 Barnett Road Boswell, PA 15531 Yahoo! Groups Links
