Home owners insurance being dropped HELP - massage and bodywork professionals2024-03-28T16:42:13Zhttps://massageprofessionals.com/forum/topics/home-owners-insurance-being?commentId=2887274%3AComment%3A24236&x=1&feed=yes&xn_auth=noI have an AMTA liability poli…tag:massageprofessionals.com,2009-09-27:2887274:Comment:242362009-09-27T00:02:32.244ZKim Chamberlain,NCTMB (idowatsu)https://massageprofessionals.com/profile/KimChamberlainidowatsu
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.<br />
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<cite>Terry Craddock said:…</cite>
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.<br />
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<cite>Terry Craddock said:</cite><blockquote cite="http://www.massageprofessionals.com/forum/topics/home-owners-insurance-being?page=1&commentId=2887274%3AComment%3A24209&x=1#2887274Comment24209"><div>Kim,<br/> 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</div>
</blockquote> Kim,
I guess that my story is…tag:massageprofessionals.com,2009-09-26:2887274:Comment:242092009-09-26T18:07:28.334ZTerry Craddockhttps://massageprofessionals.com/profile/TerryCraddock
Kim,<br />
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…
Kim,<br />
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 Thought I would bring this ba…tag:massageprofessionals.com,2009-09-25:2887274:Comment:240652009-09-25T06:45:23.659ZKim Chamberlain,NCTMB (idowatsu)https://massageprofessionals.com/profile/KimChamberlainidowatsu
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.
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. The reason was that "does not…tag:massageprofessionals.com,2009-09-23:2887274:Comment:238362009-09-23T14:49:47.812ZKim Chamberlain,NCTMB (idowatsu)https://massageprofessionals.com/profile/KimChamberlainidowatsu
The reason was that "does not fit underwriting guidelines"<br />
Just looking for a reason to cancel, the only question he asked me was "is there a wood stove"
The reason was that "does not fit underwriting guidelines"<br />
Just looking for a reason to cancel, the only question he asked me was "is there a wood stove" Wow, wish I could help. I gre…tag:massageprofessionals.com,2009-09-23:2887274:Comment:238182009-09-23T12:01:40.668ZKathy Jo Kinghttps://massageprofessionals.com/profile/KathyJoKing
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.
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.