[Jewelry making - Article 01213] - Re: [Orchid] Studio in house

[James Binnion]

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>         So, it would appear that as long as it's a hobby, you're
>     covered by your homeowner's insurance - as soon as it's a business,
>     you're not. 

    Insurance agents are basically salesmen not claims adjusters and
    will may say one thing but the claims adjuster will have a totally
    different view of the situation and if you are selling any of your
    work they will classify it as a business and disallow the claim.
    This has happened to more than one artist. If you are selling your
    work you are in business and need business insurance if you are just
    doing it for fun then it is a hobby and probably will be covered by
    your homeowners policy 

Jim Binnion

James Binnion Metal Arts
Phone (360) 756-6550
Toll Free (877) 408 7287
Fax (360) 756-2160
http://www.mokume-gane.com
jbin AT mokume-gane.com
Member of the Better Business Bureau

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