[hackerspaces] insurance (documentation, questions)

[Chris Weiss]

On Tue, Oct 26, 2010 at 1:16 PM, Nitin Gadia <nittyjee at gmail.com> wrote:
> Hello all,
>
> I recently added a page on insurance:
> http://hackerspaces.org/wiki/Insurance
>
> It needs to be expanded :)
>
> We are looking for insurance here in Ames, Iowa, USA and are having a pretty
> hard time, and it is making us a bit stuck.
> We are dealing with a broker, and the only quote he has received was pretty
> outrageous ($5000/yr or something).
>
> I saw on the previous discussion threads, which I linked to in the wiki
> article, that there is quite a range, from $324/yr to $1300/yr.
>
> We are going to try to do pretty much everything, and the dangerous stuff
> (woodworking, requiring electric saws and such) is going to be sectioned
> off, and probably require some sort of official training.
>
> Is there a way that I can provide information to the brokers here for
> insurance companies they can go through?
> Can I go through an insurance company any of you use, out of our locality,
> or out of state?
>
> The help will be very greatly appreciated.
>
> Thanks,
> Nitin Gadia
> Ames, Iowa, USA
> http://hackerspaces.org/wiki/Ames_MakerSpace

is this umbrella/liability insurance?  like to be expensive no matter what

for ours, we just have basic renters insurance because our landlord
requires it.  company asked what equipment we own and based it of the
values, so the rate is reasonable, couple hundred a year or something.