Quote:
Originally Posted by Dave M
Brent,
Are you saying that an insurance company will pay for damage done to a w/s (crack out) while a repair is being performed, with the proper coverage and premium? If so, I was not aware of that!
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Mine did, although I as I mentioned, I kept a higher deductible, and also replaced glass, so there was no reason to turn in a claim for a broken windshield. I was fortunate enough to have very few windshields crack out while I was working on them, and when it did happen the customers were very understanding, so it is difficult for me to understand why anyone would turn in a claim for the rare instance when a windshield cracks out.
The only reason I know for sure that my insurance covered that particular scenario is that I had a number of government contracts that required me to have specific types of coverage, and very specific minimum limits on that coverage.
You can get insurance coverage for just about anything if you are willing to pay for it, however those who choose home based business insurance are probably getting a product that has very limited coverage. I had a fixed location in addition to my mobile unit, so I did not even look into the home based business coverage.
I should also make it clear that I have never personally purchased insurance from RLI, but after hearing the prices that others have received, I certainly would have checked their coverage if I had known about them.