[Jewelry making - Article 00033] - Re: [Orchid] Safe Advice

[Roseann Hanson]

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>         I bet if your homowner's insurance company knew that you were
>     running a jewelry business out of your house, they wouldn't insure
>     your $60,000 in cameras and guns, either! A home jewelry business
>     is a thief magnet. Gangs of professional thieves target jewelry
>     much more than small amounts of guns and cameras, and your gun safe
>     wouldn't last five minutes for a real professional. 

    Yes, true! - we don't put signs up about a studio or any business
    information near our home. It would be like saying, "Please come
    break into our home!" 

    When I was looking for business insurance, I was looking more for
    basic liability and income coverage. I couldn't find anything that
    worked for me. Jeweler's Mutual wanted $1200/year - that's insane,
    for me. The girl who was "helping" me with the quote wasn't helpful;
    she wouldn't even explain safe ratings - she just said that if it's a
    gun safe it's not counted, and that I must also have an alarm system.
    Since I live off the grid, with only cell phones and satellite for
    internet, I can't have an alarm (like a lot of good it would do: call
    the sheriff, wait 40 minutes). She just could NOT grasp the fact that
    alarms work on PHONE LINES, and my nearest phone line is 7 miles and
    $300,000 away. 

    I don't do work that requires me to keep client gems or jewelry; I
    am not working in gold yet. In 3 years of not paying $1200 I can save
    that and have the cash I'd need to replace all my shop with top-notch
    tools! My lapidary rough is outside anyway, except the turquoise, and
    it's not going anywhere. 

    So I guess I'm going to not feed the insurance beast after all! 

Roseann

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