Replies

1. 
   DonStephan | Oct 08, 2010 08:02pm | #1

   You're better off soliciting suggestions from woodworking and glass businesses in your immediate area.  Of course, get several quotes and compare closely the recommendations of each.

2. 
   RalphBarker | Oct 12, 2010 10:05am | #2

   Insurance

   You might also talk to your current insurance agent, with whom you have your homeowner's policy. Often, they offer businesss umbrella packages at reasonable rates. The risk, however, is that a claim on the business policy might also affect your homeowner's policy.

3. 
   MikeIke | Nov 06, 2010 02:33pm | #3

   I am a Farmer's agent in Illinois, so I cannot do anything for you but offer suggestions. You are essentially in a retail space, and so long as you are not doing anything woodworking there, your risks are as a merchant. Those are pretty good rates at Farmers. You will need to consider whether you are listing your wife as an employee, whether your vehicle is to be insured commercially, workman comp, how much inventory you are protecting,  what your commercial landlord covers, your general liability (business owner policy) and whether business life makes sense. Another person posted that an endorsement on your home policy is possible, and I agree, though he also cites a risk that I agree with. Your local agent should be the guy to sort out all this with you. Good luck!

4. 
   Jfrostjr | Nov 07, 2010 09:26am | #4

   Insurance

   As a S.C.O.R.E. counselor, I advise all of my 'clients' to seek insurance bids from an INDEPENDENT* insurance agent. They will shop your needs to a variety of insurers, making sure you get the broadest range of options.

   Frosty

   * Not AAA, All State, etc.

5. 
   ruzzel01 | Dec 01, 2010 08:48am | #5

   I wish you all the luck.

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