Well put, John! 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 Sun, Apr 19, 2009 at 7:22 AM, John Scrivner <[email protected]> wrote: > 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 <[email protected]> > 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 <[email protected]> > > Reply-To: WISPA General List <[email protected]> > > 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 <[email protected] > >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 <[email protected]> > >>> wrote: > >>> > > >>> >> All gear. > >>> >> > >>> >> ------------------------------------ > >>> >> Aerowire > >>> >> Alan Long > >>> >> Director of Network Operations > >>> >> [email protected] > >>> >> 687 North Dean Road > >>> >> Auburn, AL 36830 > >>> >> tel: 3342759998 > >>> >> mobile: 3344446092 > >>> >> ------------------------------------ > >>> >> -----Original Message----- > >>> >> From: [email protected] [mailto:[email protected]] > 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! 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