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I have a commercial home with my massage and Watsu business in it. i just received a notice of cancellation from home owners insurance company AWS, they were the only company out of 25 different companies that would even consider covering a home with a business, now they are dropping me because I have a business with people entering my home, which they already knew. We are negotiating to keep it after proof of a separate business entrance. I am at a loss to find another company to cover me. Does anyone have a solution or experience with this? Thanks, Kim

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Wow, wish I could help. I grew up in a home w/a retail business in it. Never heard of any insurance problems. There was a separate entrance and area for the business, it was in a converted 2 car garage that was attached to the house. A door went from the house into the shop, but it was private (until someone had to use the bathroom!). Good luck w/it.
The reason was that "does not fit underwriting guidelines"
Just looking for a reason to cancel, the only question he asked me was "is there a wood stove"
Thought I would bring this back to the top I am looking for solutions for this situation. I tried to go the legitimate way and all it has done has cost me more money. Bringing the house up to code, building handicapped access and bathroom ( I was adding the Watsu pool anyway) I tried to approach insurance companies with honestly saying I had a business up front and I was turned down by more that 20 of them.
Kim,
I guess that my story is some what like yours, except that I live in a commercial building.I built my living quaters above the comercial first floor. When my insurance company found out that I was providing massage services on the first floor they sent me a cancelation notice...It required a lot of conversations with the company rep and a copy of my insurance coverage for it. they did finaly agree and placed the exception to the policy that I had to keep my other insurance intact and current. But bottom line is you need to have a good insurance policy for the massage practice . I would guess since you provide the water type work that you might wish to seek an add on policy for that in particular...good luck
I have an AMTA liability policy that covers any modality I perform. I do live in a commercial zoned house, we are trying to get them to agree that the separate entrance being good enough. The problem is that they are the primary carrier and they are liable before my AMTA policy kicks in. When I first got this I did pay extra for liability through the company. apparently I have been switched to another company, a subsidiary of Loyd's of London.

Terry Craddock said:
Kim,
I guess that my story is some what like yours, except that I live in a commercial building.I built my living quaters above the comercial first floor. When my insurance company found out that I was providing massage services on the first floor they sent me a cancelation notice...It required a lot of conversations with the company rep and a copy of my insurance coverage for it. they did finaly agree and placed the exception to the policy that I had to keep my other insurance intact and current. But bottom line is you need to have a good insurance policy for the massage practice . I would guess since you provide the water type work that you might wish to seek an add on policy for that in particular...good luck

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