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At Noisebridge we couldn't get insurance till we had a space. Our lease requires us to have $1M of liability insurance. We had researched insurance before renting, and when we got our space we called on all of the brokers we spoke with, and chose the one that felt the best and had a decent price. We don't have theft insurance, since that was too expensive. As well as liability insurance we have "D&O" insurance, which covers Directors and Officers in case someone sues Noisebridge and sues the D's and O's personally. We ended up paying about $2000 total for all this per year (and they know we are a hacker space -- we were totally up front about it all).<BR>
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Mitch.<BR>
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<BR>------------------<BR>> Date: Mon, 26 Jan 2009 15:46:01 -0800<BR>> From: paul@boehm.org<BR>> To: discuss@lists.hackerspaces.org<BR>> Subject: Re: [hackerspaces] insuring a hackerspace<BR>> <BR>> anyone got thoughts on waivers vs. just insuring against as much as possible?<BR>> probably should do both...<BR>> <BR>> liability probably depends a lot on local law. there's a lower chance<BR>> of getting successfully sued in austria, but<BR>> still i'm worried that i don't know if we're fine without the waivers<BR>> under austrian law.<BR>> <BR>> enki<BR>> <BR>> On Mon, Jan 26, 2009 at 3:19 PM, <druid@stonedcoder.org> wrote:<BR>> > At htink in NYC we have visited this topic shortly. The feedback seems to be<BR>> > get renters insurance to cover the expensive tools against theft (NYCR has<BR>> > it's laser insured I think) and make sure for liability that everyone that<BR>> > uses tools signs a waiver. Also posting large "you are here at your own<BR>> > risk" type signs seems popular.<BR>> ><BR>> > So renters insurance to cover fire/damage/theft, and otherwise reduce the<BR>> > orgs liability via waivers / postings seems like a winning strategy.<BR>> ><BR>> > -Eric<BR>> ><BR>> > On Tue, 27 Jan 2009, Sébastien Bourdeauducq wrote:<BR>> ><BR>> >> Hi,<BR>> >><BR>> >> I know of a hackerspace which has no rent, no money, and no insurance. And<BR>> >> it's going very well.<BR>> >><BR>> >> There are really more interestings ways of spending our time in<BR>> >> hackerspaces<BR>> >> than with filling in bureaucratic forms and finding money to feed real<BR>> >> estate<BR>> >> agents and insurance brokers.<BR>> >><BR>> >> Sebastien<BR>> >><BR>> >><BR>> >> On Tuesday 27 January 2009 00.02.42 nicolle n. wrote:<BR>> >>><BR>> >>> Hi all!<BR>> >>><BR>> >>> my name is nicolle, and i live in Chicago. i'm helping plan Pumping<BR>> >>> Station: One, the soon-to-be hackerspace here.<BR>> >>><BR>> >>> i was just wondering...has anyone else on this list gone through the<BR>> >>> process of searching for and finding insurance for a hackerspace? did<BR>> >>> you<BR>> >>> talk to insurance companies directly, or go through a broker? what was<BR>> >>> your experience like? did you have to have a physical place rented<BR>> >>> before shopping for the insurance, or could you get the insurance quotes<BR>> >>> lined up before signing a lease on a place?<BR>> >>><BR>> >>> i'm in the process of researching the availability of insurance, and i'd<BR>> >>> be<BR>> >>> really interested to know what it's like for someone who has been through<BR>> >>> the process of getting their hackerspace insured.<BR>> >>><BR>> >>> thank you all...i'm looking forward to hearing about your experiences in<BR>> >>> this.<BR>> >>><BR>> >>> nicolle<BR>> >><BR>> >><BR>> >> _______________________________________________<BR>> >> Discuss mailing list<BR>> >> Discuss@lists.hackerspaces.org<BR>> >> http://lists.hackerspaces.org/mailman/listinfo/discuss<BR>> >><BR>> ><BR>> > _______________________________________________<BR>> > Discuss mailing list<BR>> > Discuss@lists.hackerspaces.org<BR>> > http://lists.hackerspaces.org/mailman/listinfo/discuss<BR>> ><BR>> ><BR>> _______________________________________________<BR>> Discuss mailing list<BR>> Discuss@lists.hackerspaces.org<BR>> http://lists.hackerspaces.org/mailman/listinfo/discuss<BR><BR></body>
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