I carry a very high deductible (like $10K per incident). I keep insurance strictly for liability coverage and for catastrophic coverage like if our office burns down or a tornado comes through and wipes everything out. My rates are low and I do not plan to ever make a claim. Insurance companies are in business to make money like everyone else. If you use it on small claims then you eat away their profit and they have little choice but to consider you as a higher risk. Cable TV companies and power companies do not make frequent small claims. They take the same approach as I outline above I think. At a minimum you MUST have liability coverage in order to locate on leased space on towers, poles, etc. There is value in them covering you for up to a million or two in liability even if a claim is never made. I hope that WISPs think hard about how they interact with insurance companies and how we as an industry are perceived by our carriers. If WISPs as an industry are seen as companies who make frequent claims for any loss then I am guessing this will become a factor in how all WISPs are rated for insurance. Do yourselves a favor and plan NOT to make claims on insurance. Buy extra gear for your towers for replacements and budget a percentage of your gear as having to be replaced each year for upgrades, loss, etc. It is cheaper to self-insure your gear than to think you can have your insurance carry you for every little claim for lightening damage and such. Scriv
On Fri, Apr 17, 2009 at 11:51 AM, Scottie Arnett <sarn...@info-ed.com> wrote: > Typical "legal organized crime" insurance companies. As long as you are > paying them and not filing a claim, everything is happy go lucky. File one > claim and they want to jack your rates through the roof or cancel your > policy. How do they get away with this stuff? I have 1st hand experience with > it. I can't believe all are like that, but all I have ever dealt with are. If > anyone knows of a "professional" insurance company that provides what they > say without the "crap mentioned above", please let me know. > > Scott > > ---------- Original Message ---------------------------------- > From: Josh Luthman <j...@imaginenetworksllc.com> > Reply-To: WISPA General List <wireless@wispa.org> > Date: Thu, 16 Apr 2009 18:13:02 -0400 > >>What I have heard from other WISPs is that once you do a big claim they >>cancel your policy. I've heard it from multiple angels from multiple >>companies so I've always believed it to be true. >> >>Josh Luthman >>Office: 937-552-2340 >>Direct: 937-552-2343 >>1100 Wayne St >>Suite 1337 >>Troy, OH 45373 >> >>Those who don't understand UNIX are condemned to reinvent it, poorly. >>--- Henry Spencer >> >> >>On Thu, Apr 16, 2009 at 6:05 PM, Charles Wyble <char...@thewybles.com>wrote: >> >>> Why would one find another insurer? >>> >>> I do believe they can do a search on claims you have filed and charge >>> accordingly. So changing insurers most likely won't help. >>> >>> >>> >>> Josh Luthman wrote: >>> > What we do and what I've been suggested is hold onto an insurance policy >>> and >>> > use it when you really have to. If an AP or two and some CPEs go bad, >>> don't >>> > claim it as it your rates will rise or the policy may be canceled. >>> > >>> > If you lost an entire tower and hundreds of thousands of dollars (or >>> > whatever size completely kicks your bucket) then claim it and prepare to >>> > find another insurer. >>> > >>> > Josh Luthman >>> > Office: 937-552-2340 >>> > Direct: 937-552-2343 >>> > 1100 Wayne St >>> > Suite 1337 >>> > Troy, OH 45373 >>> > >>> > Those who don't understand UNIX are condemned to reinvent it, poorly. >>> > --- Henry Spencer >>> > >>> > >>> > On Thu, Apr 16, 2009 at 5:33 PM, Alan Long <alan.l...@aerowire.net> >>> wrote: >>> > >>> >> All gear. >>> >> >>> >> ------------------------------------ >>> >> Aerowire >>> >> Alan Long >>> >> Director of Network Operations >>> >> alan.l...@aerowire.net >>> >> 687 North Dean Road >>> >> Auburn, AL 36830 >>> >> tel: 3342759998 >>> >> mobile: 3344446092 >>> >> ------------------------------------ >>> >> -----Original Message----- >>> >> From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On >>> >> Behalf Of Charles Wyble >>> >> Sent: Thursday, April 16, 2009 4:30 PM >>> >> To: WISPA General List >>> >> Subject: Re: [WISPA] Insurance on equipment >>> >> >>> >> I'm guessing you mean AP gear and not CPE? Or do you mean CPE as well? >>> >> >>> >> >>> >> >>> >> >>> >> Alan Long wrote: >>> >>> Anyone have information/experience with insuring your equipment against >>> >>> damage. My main concern is weather related damage. >>> >>> >>> >>> >>> >>> >>> >>> >>> >>> >>> >>> >>> >> >>> >> >>> >> >>> ---------------------------------------------------------------------------- >>> >> ---- >>> >> WISPA Wants You! Join today! >>> >> http://signup.wispa.org/ >>> >> >>> >> >>> ---------------------------------------------------------------------------- >>> >> ---- >>> >> >>> >> WISPA Wireless List: wireless@wispa.org >>> >> >>> >> Subscribe/Unsubscribe: >>> >> http://lists.wispa.org/mailman/listinfo/wireless >>> >> >>> >> Archives: http://lists.wispa.org/pipermail/wireless/ >>> >> >>> >> No virus found in this incoming message. >>> >> Checked by AVG - www.avg.com >>> >> Version: 8.0.238 / Virus Database: 270.11.58/2062 - Release Date: >>> 04/16/09 >>> >> 08:12:00 >>> >> >>> >> >>> >> >>> >> >>> >> >>> -------------------------------------------------------------------------------- >>> >> WISPA Wants You! 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Join today! >>http://signup.wispa.org/ >>-------------------------------------------------------------------------------- >> >>WISPA Wireless List: wireless@wispa.org >> >>Subscribe/Unsubscribe: >>http://lists.wispa.org/mailman/listinfo/wireless >> >>Archives: http://lists.wispa.org/pipermail/wireless/ >>--- >>[This E-mail scanned for viruses by Declude Virus] >> >> > > Wireless High Speed Broadband service from Info-Ed, Inc. as low as $30.00/mth. > Check out www.info-ed.com/wireless.html for information. > > > -------------------------------------------------------------------------------- > WISPA Wants You! 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