Product Liability Insurance

[whinewine]

We have "Vendors of the US", PO Box 24, New Richmond, WI 54017, PH: 715-246-8908.

It's for a $2,000,000 policy, underwritten by Lexington Insurance Company.

Now this is for the shows we do- I have no idea if this covers brick & mortar stores.

Hope this helps.

russ

Another suggestion is to seek out an independent insurance agent- one who sells insurance from many different companies, rather than just one. (We have all our other insurances through him, & he COULD get us vendor's insurance, but we got the better deal through 'Vendors of the US'.) It's a possibility to check out for whatever your particular needs may be.

Edited February 1, 2011 by whinewine

[Lagarto]

Thanks, whinewine, for sharing the name of your carrier. I was just about to start a thread of this same inquiry, when I thought I would first do a search on the forum for existing threads.

So, no one else reading this thread wants to share "who they use"? That surprises me. If you have a good relationship with your insurer, why not share that info so we don't have to

a> hunt for one at random

b> find a bad one and realize this too late

Leatherwork for gun holsters and anything equestrian obviously will scare the pants off the unaccustomed agent, when they talk to their underwriting department and balk at "dangerous products", even if it is only the potential for danger when the leather is in the hands of dumb customers. Not average customers, but the dumbest of the dumb. It will happen, obviously, to someone, that's why we need the coverage.

Personally, I attend trade shows and need a policy to protect my machines in my shop, my hides, and my finished unsold goods. I also need insurance to cover my credit card mobile terminal, because my merchant bank is telling me "we will find you a policy if you don't insure it yourself". I don't have a brick/mortar shop, I only sell online and at trade shows.

Any feedback from you leathery old leather workers who have been through this already would be MUCH appreciated!

Cheers,

Lagarto

PS: Farmers insurance said "we won't cover a holster maker, no way". I am still looking for an agent.

[Ferg]

Thanks, whinewine, for sharing the name of your carrier. I was just about to start a thread of this same inquiry, when I thought I would first do a search on the forum for existing threads.

So, no one else reading this thread wants to share "who they use"? That surprises me. If you have a good relationship with your insurer, why not share that info so we don't have to

a> hunt for one at random

b> find a bad one and realize this too late

Leatherwork for gun holsters and anything equestrian obviously will scare the pants off the unaccustomed agent, when they talk to their underwriting department and balk at "dangerous products", even if it is only the potential for danger when the leather is in the hands of dumb customers. Not average customers, but the dumbest of the dumb. It will happen, obviously, to someone, that's why we need the coverage.

Personally, I attend trade shows and need a policy to protect my machines in my shop, my hides, and my finished unsold goods. I also need insurance to cover my credit card mobile terminal, because my merchant bank is telling me "we will find you a policy if you don't insure it yourself". I don't have a brick/mortar shop, I only sell online and at trade shows.

Any feedback from you leathery old leather workers who have been through this already would be MUCH appreciated!

Cheers,

Lagarto

PS: Farmers insurance said "we won't cover a holster maker, no way". I am still looking for an agent.

It wouldn't do you any good to know my Insurance agency, you are 800+ miles from me.

Just kidding. This is very much like getting a company to insure a log home, we live in one. They have no idea how safe a log home is in comparison to a frame house and don't care.

You need to contact Insurance company home offices first then get an agent. No one can help you with that.

ferg