[hackerspaces] Insurance Recommendations for a US-based space?

[john arclight]

Hi Mitch,

I started by calling my car insurance guy, and got a referral to an agent he
trusts for commercial work.  What it came down to, was that we had to come
up with a way of explaining what it is that we do and then sell it to an
insurance carrier.  In our case, we put pictures of the robot kits we build
up, built a web site around it and then also described all of the activities
we do there (light industrial work, computer programming, some welding,
etc).  We're a small group and not usually bringing in big youth groups or
whatever, so our needs might be slightly different than some others.

Our insurance was around $1300/year for the space and some limited completed
products liability coverage.  The space is a bit over 1,000ft^2.

I'm not sure what state you're in, but I can give you a contact if you'd
like.

Cheers,

John

On Thu, Jul 2, 2009 at 6:39 AM, Jason Bailey <jason at hive13.org> wrote:

> We've recently signed a lease on a space and are searching for an
> appropriate insurance provider.  Several of the usual suspects have said we
> need a specialty policy written, and it's taking some time to get together.
> Others have simply responded that they cannot offer the type of coverage we
> need.
>
> Can anyone speak to the type of insurance they've purchased for their space
> and why that particular type of coverage was chosen?  Also, we're trying to
> work the costs into the budget, but as of yet have only guesses as to what
> our monthly premium may be.  Is anyone comfortable sharing what their
> monthly costs are?
>
> Jason
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>
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