Insurance

June 12, 2001

Our association does offer product liability insurance to its members. And

we're geared to small-medium businesses. Rates vary as to whether the

products are cosmetic (cheaper) or ingestible (medicinal herbal

products)....I spent months searching for an underwriter that understands the

problems small businesses face, and am really happy with the one we found.

Maureen

The Herb Growing & Marketing Network

http://www.herbnet.com and herbworld.com

PO Box 245, Silver Spring, PA 17575

717-393-3295; FAX: 717-393-9261

June 12, 2001

In a message dated 06/12/2001 5:40:44 PM Pacific Daylight Time,

bthewelder@... writes:

I am insured through RLI. I think my premium is $285. per year.

Rose

> ,

> Go to the following link. I believe they insure soapmakers.

> http://www.rlicorp.com/

> HTH

> Sharon

>

June 12, 2001

,

Go to the following link. I believe they insure soapmakers.

http://www.rlicorp.com/

HTH

Sharon

> Guys I'm frustrated

>

> We're trying to find the proper insurance for our company and I'm getting

dizzy from the nonsense various insurance companies have told me today.

Would those of you that manufacture (not from home) tell me what you do for

insurance? We don't fit into cottage industry and we aren't B & B. One agent

told me today that he wont even request a quote from their underwriters

because our sales were under $300,000 yearly. Well pffft, some of us have

to creep before we walk! There must be companies out there that handle

product liability for small companies no? We're in Florida and we do soap,

candles, lotions, gels, salts etc.

>

> Talk to me please guys, any help would be appreciated.

>

June 12, 2001

Ok, I'm going to try talking to RLI again tomorrow. I did speak to them

today and they were the ones that gave me a list of agents in Florida. (who

all turned out to be insurance wholesalers so of course couldn't deal

directly with me). They each (3) gave me a couple of agents to call and

then my wild ride begun. So I'll start again at RLI tomorrow.

BTW $285 per year? It seemed we were paying about that per month last year!

And is this with a manufacturing location that is not your home?

Thanks so much Rosemary and Sharon, your input sure is appreciated.

> bthewelder@... writes:

> I am insured through RLI. I think my premium is $285. per year.

>

> Rose

>

> > ,

> > Go to the following link. I believe they insure soapmakers.

> > http://www.rlicorp.com/

> > HTH

> > Sharon

> >

>

June 12, 2001

Ok, I'll be calling you guys tomorrow as well then!

Re: Insurance

> Our association does offer product liability insurance to its members.

And

> we're geared to small-medium businesses. Rates vary as to whether the

> products are cosmetic (cheaper) or ingestible (medicinal herbal

> products)....I spent months searching for an underwriter that understands

the

> problems small businesses face, and am really happy with the one we found.

>

> Maureen

>

> The Herb Growing & Marketing Network

> http://www.herbnet.com and herbworld.com

> PO Box 245, Silver Spring, PA 17575

> 717-393-3295; FAX: 717-393-9261

>

June 13, 2001

Would someone please tell me RLI's phone # & where they are located?

I am looking for insurance, also, and I'd really like to talk with

them!

Email me privately if you wish.

Many thanks,

Ellen

ellen.design@...

June 13, 2001

I would like to have there phone no. also thanks

-----------------------------------------------------

Click here for Free Video!!

http://www.gohip.com/free_video/

Re: Insurance

Would someone please tell me RLI's phone # & where they are located?

I am looking for insurance, also, and I'd really like to talk with

them!

Email me privately if you wish.

Many thanks,

Ellen

ellen.design@...

June 13, 2001

Ellen,

If you go to the link I sent last night, they have info posted on their

site.

Sharon

Re: Insurance

> Would someone please tell me RLI's phone # & where they are located?

> I am looking for insurance, also, and I'd really like to talk with

> them!

> Email me privately if you wish.

>

> Many thanks,

> Ellen

June 13, 2001

>Thanks, Sharon...I found the link!

Ellen

September 2, 2001

I use RLI ... Ellis, Moreland and Ellis on Genesee St in Syracuse has

handled a few of our list members needs. Sue is great over there and

will know exactly what you need and set you up... only thing with RLI is

you have to pay the wwhole thing up front. I have $300,000 in coverage

and it only cost $190.00 for a year

Hope this helps

Terri

September 2, 2001

Paying the whole thing up front is the easy part. We were paying 2000.00. The

new insurance company questions whether RLI will cover when you are

manufacturing soap. Of course this was through my husbands conversation with the

company

and don't know what they actually said.

Can I assume that this is just a liablity policy for people who use your product

and doesn't cover anything that might happen while you are making it. If you had

a fire and lost equipment, would you homeowners policy cover your

manufacturing equipment and all your supplies.

chris

Terri Wagner wrote:

> I use RLI ... Ellis, Moreland and Ellis on Genesee St in Syracuse has

> handled a few of our list members needs. Sue is great over there and

> will know exactly what you need and set you up... only thing with RLI is

> you have to pay the wwhole thing up front. I have $300,000 in coverage

> and it only cost $190.00 for a year

> Hope this helps

> Terri

>

> Our members map

> http://.homestead.com/locations.html

>

> Our Message Board

> http://www.voy.com/21568/

>

> Check out these great Molds!!

> http://soapwerks.com/martinworld.htm

>

> All posts to this list are copyrighted by post author. They may NOT be

forwarded, copied, or used in anyway without the permission of the post author

with the exception of answering posts to this list. Posts are personal opinions

only.

>

September 2, 2001

It does cover your inventory at home and at shows... it also covers your

equiptment incase of fire and theft in home.

And yes they will cover soap makers. Not sure where you make your soap, but

if it's in an out building seperate from the house it has to be within so

many feet of the house. Check with Sue at Ellis Moreland and Ellis... she'll

explain it all

Terri

Apple Hill Soaps wrote:

Paying

the whole thing up front is the easy part. We were paying 2000.00. The

new insurance company questions whether RLI will cover when you are manufacturing

soap. Of course this was through my husbands conversation with the company

and don't know what they actually said.

Can I assume that this is just a liablity policy for people who use your

product and doesn't cover anything that might happen while you are making

it. If you had a fire and lost equipment, would you homeowners policy cover

your

manufacturing equipment and all your supplies.

chris

Terri Wagner wrote:

> I use RLI ... Ellis, Moreland and Ellis on Genesee St in Syracuse has

> handled a few of our list members needs. Sue is great over there and

> will know exactly what you need and set you up... only thing with RLI

is

> you have to pay the wwhole thing up front. I have $300,000 in coverage

> and it only cost $190.00 for a year

> Hope this helps

> Terri

>

> Our members map

> http://.homestead.com/locations.html

>

> Our Message Board

> http://www.voy.com/21568/

>

> Check out these great Molds!!

> http://soapwerks.com/martinworld.htm

>

> All posts to this list are copyrighted by post author. They may NOT

be forwarded, copied, or used in anyway without the permission of the post

author with the exception of answering posts to this list. Posts are personal

opinions only.

>

September 3, 2001

Thanks Terri,

I'll check with them tomorrow.

Chris

Terri Wagner wrote:

> It does cover your inventory at home and at shows... it also covers

> your equiptment incase of fire and theft in home.

September 4, 2001

Chris

My insurance broker was able to get mine thru Kemper because I have all my

cars, homeowners, and a million dollar umbrella policy. I've a got $300,000

liability policy and it only cost me $49/year and that's with my business in

my house. If your business is separate from your house, it would be entirely

different, I would assume.

M

insurance

I am sure that this has been discussed in the past but as typical of me, I didn't pay attention. What are you all using for insurance and do they cover you as a manufacturer. Have been shopping around for a new insurance company and dueto multiply businesses have been having a bit of trouble. Does any one use RIL?Thanks-Our members maphttp://.homestead.com/locations.htmlOur Message Boardhttp://www.voy.com/21568/Check out these great Molds!!http://soapwerks.com/martinworld.htmAll posts to this list are copyrighted by post author. They may NOT be forwarded, copied, or used in anyway without the permission of the post author with the exception of answering posts to this list. Posts are personal opinions only.

September 4, 2001

I am looking for a policy that is seperate from my homeowners policy.

It would be for a business. The problem I am incountering is - by

making soap I am a manufacturer and all the companies I have approach say

they will not insurance someone who makes soap. (I know - they are

living in the dark ages - haha). I have a separate building next

door to my house were I make soap. Thanks for the lead and I will

give them a call later today. That is if I can find the time.

This is my incredibly busy week. I never seem to be ready for my

first show. Made lotions bars like a crazy women - over 400.

That should last the weekend.:-). Venturing out to do the show at

Fort Klock this year. Sure hope it's a good one.

thanks again

chris

My

insurance broker was able to get mine thru Kemper because I have all mycars,

homeowners, and a million dollar umbrella policy. I've a got $300,000liability

policy and it only cost me $49/year and that's with my business inmy

house. If your business is separate from your house, it would be

entirelydifferent,

I would assume.

October 16, 2001

In a message dated 16/10/2001 10:41:27 GMT Daylight Time, sbenbow@...

writes:

> Can any one on the list tell who else covers indemnity insurance, apart from

> BAEMT, I want to shop around and see what is the best to have.

> Steve Benbow

>

we use m.i.r. and find them good and reasonable the number is 0181 874 0403

hope this helps warren <A

HREF= " http://www.west-wales-ambulance-service.co.uk/ " >www.west-wales-ambulance-s\

ervice.co.uk</A>

October 16, 2001

Your company???????????

>From: " steve benbow " <sbenbow@...>

>Reply-

>

>Subject: Insurance

>Date: Tue, 16 Oct 2001 10:40:30 +0100

>

>Can any one on the list tell who else covers indemnity insurance, apart

>from

>BAEMT, I want to shop around and see what is the best to have.

>Steve Benbow

>

>_________________________________________________________________

>Get your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp

>

_________________________________________________________________

Get your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp

October 16, 2001

you have to have personal cover if working at a race track. first thing MSA

will want when you apply for registration.

All FIA / FIM events require proof of personal indemnity insurance

Steve Benbow

>From: " gordon scott " <gordonscott18@...>

>Reply-

>

>Subject: Re: Insurance

>Date: Tue, 16 Oct 2001 10:47:48 +0100

>

>Your company???????????

>

> >From: " steve benbow " <sbenbow@...>

> >Reply-

> >

> >Subject: Insurance

> >Date: Tue, 16 Oct 2001 10:40:30 +0100

> >

> >Can any one on the list tell who else covers indemnity insurance, apart

> >from

> >BAEMT, I want to shop around and see what is the best to have.

> >Steve Benbow

> >

> >_________________________________________________________________

> >Get your FREE download of MSN Explorer at

>http://explorer.msn.com/intl.asp

> >

>

>_________________________________________________________________

>Get your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp

>

_________________________________________________________________

Get your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp

October 16, 2001

Steve try

Medical Indemnity Regsiter Tel 020 86448880 mir.mirt@...

Rgs

Ian

__________________________________________

Ian Sharpe

International SOS Paramedic

AGIP Kco Marine Supply Base

Bautino, Republic of Kazakhstan

Tel: +31 70 313 3655 / 3690 (Clinic/ Accommodation)

--------------------------------------------------------------------------

Personal Mail to Ian@...

Insurance

Can any one on the list tell who else covers indemnity insurance, apart from

BAEMT, I want to shop around and see what is the best to have.

Steve Benbow

_________________________________________________________________

Get your FREE download of MSN Explorer at http://explorer.msn.com/intl.asp

Member Information:

List owner: Ian Sharpe Owner@...

Editor: Ross Boardman Editor@...

Post message: egroups

Subscribe: -subscribeegroups

Unsubscribe: -unsubscribeegroups

Thank you for supporting Remote Medics Online.

May 3, 2002

,

Thanks for the valuable insight into insurance companies.

Insurance

I had to add this about Insurance, a while back there was a thread about

PKU.

It seems that different states, and even different countries don't have the

same value limits for the test.

In Ireland it's a value of 2. In Italy it's a value of 3. In this country

some states have a value of 4. Why a value of 4, because of the insurance

companies! It seems they lobbied the government in the states they could to

raise values.

PKU babies need a special diet, a very expensive special diet. If left

untreated it could lead to developmental problems closely related to Autism.

Think about that one for a while! Some of these children could be a

misdiagnosis.

October 21, 2002

Hello Helen

The insurance issues was expected, it really wouldn't be so much of an

issue had the pharmacist actually followed my instructions but I guess

they don't have too many patients with multiple pages worth of

medication. It's really just a matter of getting the new insurance

details, obviously it'll be a couple of weeks before the cards get

mailed out but I should be able to get a fax or email of the details

from HR later this week. The good thing is that the new plan has no

co-pay on maintenance drugs if they are through mail order so no more of

this paying 20% of the meds. Mind you, I do need to dig up all the

documentation about having had uninterrupted coverage over the pass year

so that they'll cover pre-existing conditions otherwise they only cover

a certain dollar amount during the first year and given the meds that

I'm on, that could be exhausted very quickly.

The old bell alarm certainly gives me a start, the cats all jump as well

when it goes off but at least it wakes me up. Even so, I tend to drift

off afterwards for a couple of hours before really getting up anyways.

I'm just surprised that the tick tock of the mechanical clock doesn't

keep me up.

I don't really need to buy the brand specific tools to work on my bike

because the local bike shops do have the tool, it's just that if I want

to ensure that I can keep this bike going in the future, I should order

the tool while it's still available, problem is determining which one it

is as the ones the bike shop have are so worn that you can't read the

model numbers. I did have a local bike shop replace all the cables as

the old cables are at least 30 years old, they still worked fine but the

plastic was yellowed and cracked and you could tell that the cables were

a lot more flexible than they should be. I don't like the way they've

adjusted my front derailleur but I can probably readjust that myself.

I spent Sunday wiring up another control circuit for the headlight. My

bicycle has one of those really old style generator things to power a

headlight and a taillight, the problem is that they only light when

you're moving so I want to wire in a battery to take over while the

bicycle is stopped, I'm trying to do it all with solid state

components rather than use relays like every one else on the net but so

far have only gotten very dim lights and questionable charging (my

charge indicator showed charging for a couple of seconds and then

stopped), I've changed the circuits to use power transistors now and

I've increased the number of batteries so I think it'll work better, I

put in a MOSFET but I think I need to swap it out with an SCR to handle

the AC side. I guess that's the good thing about relays, you can hear

them click when they switch from one mode to the other. Currently, I

have blinking lights to indicate what mode it's in but I could really

use the space for other circuitry.

I'm tempted to just rewire it the old way, without any control circuits

or batteries just to get the bicycle on the road. It's been raining

this past weekend so I guess I haven't missed any decent cycling weather

but I do want to use the bike while it's still cool outside.

Regards,

angelbear1129@... wrote:

> * Sounds like you need to take a few DEEP BREATHS!!! IN!! OUT!! IN!!

> OUT!!! Now, you had better slow down a little bit, you sound like you

> are stretched to the max!!!

> I'm so sorry that you are having so many problems with your insurance

> companies... Can you get a hold of your dr. and explain it to him and

> see if you can get some samples from him of the meds that you need???

> Has the insurance company let you know about anything yet??? Even

> though you don't have your paper work, they should still honor your

> scripts shouldn't they??? Your dates will or should show up in the

> computers for them... I Knew I was worried about you for a good

> reason!!!

> Any alarm, scares me to death when it goes off!!! Especially those

> old bell ones!!! My heart does a Lot of flip flops and takes me over

> an hour to get it calmed back down...

> *

>

> * I'm glad that you got a better paying job, but I so wish you didn't

> have to delay your cardiologist appointment ;o( Keep us posted as to

> how you are doing, OK???

> Glad that your bike doesn't need too many repairs... Maybe an antique

> shop would have what you need...

> You rest as best as you can... don't go too long without seeing your

> Dr., OK???

> (((Caring and Worried Hugs )))

> Helen

>

> **

> *

>

>> Hello Helen

>>

>> I'm struggling along. I've changed jobs because I had the two offers

>> on the table, both very good but one was with a company about to go

>> bankrupt and though I liked working with that group, it was in my best

>> interest to go with the other company. The other company pays more

>> anyways and the people there are people that I trained decades ago, they

>> tell me it's a good work environment so that's what I have to go on.

>> Anyway because of that, my health insurance is a little bit up in the

>> air, I had planned for a weeks worth of overlap where in theory I would

>> have both coverages but in practice I don't have any of the details for

>> the new plan yet. I've postponed my Cardiologists appointment and have

>> run out of Hyzaar and Zocor. I'm not worried about the Zocor because I

>> was taking a very small dosage and it probably wasn't doing much for my

>> Triglyceride levels anyways (we probably would've changed it to

>> something else). The Hyzaar, I could probably compensate for with some

>> more Accupril and the occasional Demadex or Aldactone both of which I

>> still have a few of.

>>

>> I had asked the pharmacy to run through their database and refill any

>> that could be refilled before the old plan lapsed but the idiots just

>> did the most obvious ones (probably didn't think to page down on the

>> list). They also took an extra day so I didn't catch the fact that

>> they were missing the Hyzaar and Zocor till too late.

>>

>> I seem to have been getting bloated a bit and very tired recently. I

>> think I need to take a serious break soon. I rest fine when lying on my

>> back but often if I turn on the side or on my stomach, I would feel like

>> I needed to vomit. The radio alarm clock hardly wakes me anymore so I

>> got myself one of those old wind up double bell clocks, the tick tock

>> doesn't even keep me up much which I found surprising cause when I was

>> young, the noise would keep me up even if the clock was in another room.

>>

>> It's about to get real busy here at work, the University is also about

>> to get real busy too and have been asking me to help out.

>>

>> I did bring my old ten speed down from Canada and am currently rewiring

>> the electricals on it. The tail light got damaged in transit but I

>> found a vintage bicycle shop on the Internet that still sold that style

>> of light. I'm trying to wire in batteries so that the lights still

>> work when I'm stopped, it's a bit of a problem in that the dynometer

>> actually puts out AC power instead of the expected DC so I have to

>> switch from AC operation when moving to DC operation when stopped.

>>

>> I tried to get the bicycle specific tools so that I could remove all the

>> gears and clean them throughly but the bicycle shops say they haven't

>> seen anything like that bicycle in decades (they would never have had

>> seen this particular model in the States as it's a purely Canadian bike)

>> and didn't even know what to order cause their shop tools that fit are

>> so worn that they can't read the part numbers from them. It was a

>> rickety hand me down bicycle when I got it 25 years ago, still works

>> great.

>>

>> I've fitted a modern tool bag and pedestrian bell to it, it's obvious

>> that the new bicycles have very different geometries in that both the

>> bag and the bell were not a perfect fit, close but not quite. The tool

>> kit also has a lot of allen keys which are totally useless on an older

>> bike and very few spanners which is what's needed.

>>

>> Hopefully I won't ever get a blown tire on this bike because I doubt

>> I'll be able to get the right size replacement.

>>

>> I did do a search on the bicycle model and found it in a Canadian

>> museum. I wrote the company that made the bike and they said they lost

>> all the records on that model in 1983 when the original company went

>> bankrupt.

>>

>> Regards,

>>

>

> *

>

> *

>

> ~~~~ *** ~~~ *** ~~~ *** ~~~~

> The Being Sick Community

>

> Message Archives and Digest Attachment Pictures:-

> /messages

>

> Chat:- Scheduled Daily Chats at

> /chat

>

> Bookmarks:-

> Add a website URL you have found useful.

> /links

>

> Personal Complaints or problems:-

> Please contact a moderator

> email: -owner

>

> Subscription Details:-

> 1) Individual email - means that every email sent to the list you receive.

> 2) Daily Digest - sends you 25 messages in one single email for you to

> browse. This is an excellent option if you receive alot of email.

> 3) Web only/No mail - means that you can pop into groups at your

> convenience and receive no email.

>

> To modify your subscription settings please visit:-

> /join

>

> To subscribe or unsubscribe please email:-

> -subscribe

> -unsubscribe

>

> ~~~~ *** ~~~ *** ~~~ *** ~~~~

> When nothing is sure, everything is possible.

>

> --- Margaret Drabble

>

> ~~~~ *** ~~~ *** ~~~ *** ~~~~

>

October 23, 2002

Sinse it was the pharmacist that messed up, can't he do your scripts now and redate them for when you had coverage??? do you get the scripts monthly through the mail or do you have to get three months worth??? How many meds are you still on now??? Is your heart doing much better now???

Your headlight and tail light sounds like the one I had many moons ago ) My bike is long gone, it was about two years old when my brother decided to go down a hill at the park and wrap it around a tree!!! Using it of course with out my permission, I was babysitting at the time... I'm glad that you are able to keep yours up and keep it restored... i haven't been able to bike ride in many years ( I so loved to do that when I was able too... Does it get too cold there in Texas where you live in the winter to ride your bike??? Do you ever get snow???

They are calling for flurries here tonight, no accumulations though...

You have SO many talents!!! Is there anything that you can NOT do??? ) Need you living next door !!! Between you and my hubby, I would never need a repair man again )

You take care and remember to REST !!!

((( Caring Hugs )))

Helen