I was thinking the opposite Kurt, most of the wisps here are quite succcesful.
Seriously, those who cry poor mouth, are the exception. Kurt Fankhauser wrote: > Yeah but most Wisps operators are some of the financially worst off people I > have ever met. I agree on not making a bunch of small claims, same holds > true with your automobile policy. I remember Mac said once that he actually > got APC to pay out on their equipment protection guarantee and he got > something like $15k from it and he said even he couldn't believe it. > > Kurt Fankhauser > WAVELINC > P.O. Box 126 > Bucyrus, OH 44820 > 419-562-6405 > www.wavelinc.com > > > -----Original Message----- > From: wireless-boun...@wispa.org [mailto:wireless-boun...@wispa.org] On > Behalf Of John Scrivner > Sent: Sunday, April 19, 2009 7:23 AM > To: WISPA General List > Subject: Re: [WISPA] Insurance on equipment > > 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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