Pianotech

I need to revise my business insurance and am looking at a possible worst case of an action being totally destroyed. In otherwords, a workshop fire. Has anyone out there already researched what the cost would be? If it were a piano no longer in production, I would need to have a keyframe and keys made, order brackets, rails, stack parts, drill everything, ascertain strike point on strings, etc. Off the top of my head I'm thinking $10k, but that's just a guess.

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Craig Miller
Marietta GA
770-321-9390
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Hi Craig,

I'm not exactly sure, but my guess is you could look up parts in the Steinway catalog or call them, and you could find a "top heavy" estimate that way.

My concern is not so much a fire, but the transportation of the action to and from. I'm a safe driver, but there are a lot of nuts on the road! I'd speak with your insurance company and make sure they'd cover the action being totaled in a car wreck too.

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Benjamin Sanchez, RPT
Piano Technician / Artisan
(805) 315-8050
www.professional-piano-services.com
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Original Message:
Sent: 08-01-2019 09:17
From: Craig Miller
Subject: Insuring An Action

I need to revise my business insurance and am looking at a possible worst case of an action being totally destroyed. In otherwords, a workshop fire. Has anyone out there already researched what the cost would be? If it were a piano no longer in production, I would need to have a keyframe and keys made, order brackets, rails, stack parts, drill everything, ascertain strike point on strings, etc. Off the top of my head I'm thinking $10k, but that's just a guess.

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Craig Miller
Marietta GA
770-321-9390
------------------------------

Craig

I would suggest you talk with your insurance agent and give him the scenario.

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Willem "Wim" Blees, RPT
Mililani, HI 96789
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Original Message:
Sent: 08-01-2019 09:17
From: Craig Miller
Subject: Insuring An Action

I need to revise my business insurance and am looking at a possible worst case of an action being totally destroyed. In otherwords, a workshop fire. Has anyone out there already researched what the cost would be? If it were a piano no longer in production, I would need to have a keyframe and keys made, order brackets, rails, stack parts, drill everything, ascertain strike point on strings, etc. Off the top of my head I'm thinking $10k, but that's just a guess.

------------------------------
Craig Miller
Marietta GA
770-321-9390
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Without sharpening a pencil, I would think that $10k MIGHT cover the cost of parts (and sub-contracted work, unless you are able to derive how to make an action from the surviving parts of this hypothetical piano). Then you would have to add your labor, at $X/hr (it would come to at least several thousand dollars if it were me).

I agree with Ben S. that I perceive the greatest vulnerability to someone's action in my possession to be in transport.

Alan

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Alan Eder, RPT
Herb Alpert School of Music
California Institute of the Arts
Valencia, CA
661.904.6483
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Original Message:
Sent: 08-01-2019 09:17
From: Craig Miller
Subject: Insuring An Action

I need to revise my business insurance and am looking at a possible worst case of an action being totally destroyed. In otherwords, a workshop fire. Has anyone out there already researched what the cost would be? If it were a piano no longer in production, I would need to have a keyframe and keys made, order brackets, rails, stack parts, drill everything, ascertain strike point on strings, etc. Off the top of my head I'm thinking $10k, but that's just a guess.

------------------------------
Craig Miller
Marietta GA
770-321-9390
------------------------------

I just got insurance on my piano business.  I used Insurance to go.  Coverage when I am in someones house, have their piano in my shop and moving their piano. They all require different itemized insurances. One is liability, one is Bailey, one is marine(for moving).

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Jeffrey Gegner
Tipton IN
765-860-5900
------------------------------

Original Message:
Sent: 08-01-2019 09:17
From: Craig Miller
Subject: Insuring An Action

I need to revise my business insurance and am looking at a possible worst case of an action being totally destroyed. In otherwords, a workshop fire. Has anyone out there already researched what the cost would be? If it were a piano no longer in production, I would need to have a keyframe and keys made, order brackets, rails, stack parts, drill everything, ascertain strike point on strings, etc. Off the top of my head I'm thinking $10k, but that's just a guess.

------------------------------
Craig Miller
Marietta GA
770-321-9390
------------------------------

I briefly looked up cost of parts. Keys: $2300; Renner wips: $1085; Renner s/f: $520; Renner hammers: $480. Does not include action brackets and frame, glide bolts, back checks, and possibly more that I'm missing. IOW, you're looking at a minimum of nearly 5k, plus the cost of the "extras" listed above. Then don't forget about labor. Insurance for 10k would be minimal, better to make it at least 15k. 

Additionally, are you going to get sued for destroying someone's action? Don't forget to add in some "go-away" money into your insurance bid.

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Benjamin Sanchez, RPT
Piano Technician / Artisan
(805) 315-8050
www.professional-piano-services.com
------------------------------

Original Message:
Sent: 08-01-2019 15:13
From: Jeffrey Gegner
Subject: Insuring An Action

I just got insurance on my piano business.  I used Insurance to go.  Coverage when I am in someones house, have their piano in my shop and moving their piano. They all require different itemized insurances. One is liability, one is Bailey, one is marine(for moving).

------------------------------
Jeffrey Gegner
Tipton IN
765-860-5900

Original Message:
Sent: 08-01-2019 09:17
From: Craig Miller
Subject: Insuring An Action

I need to revise my business insurance and am looking at a possible worst case of an action being totally destroyed. In otherwords, a workshop fire. Has anyone out there already researched what the cost would be? If it were a piano no longer in production, I would need to have a keyframe and keys made, order brackets, rails, stack parts, drill everything, ascertain strike point on strings, etc. Off the top of my head I'm thinking $10k, but that's just a guess.

------------------------------
Craig Miller
Marietta GA
770-321-9390
------------------------------

I just figure replacement cost of the piano, equivalent value

Sent from my iPhone


Original Message------

I briefly looked up cost of parts. Keys: $2300; Renner wips: $1085; Renner s/f: $520; Renner hammers: $480. Does not include action brackets and frame, glide bolts, back checks, and possibly more that I'm missing. IOW, you're looking at a minimum of nearly 5k, plus the cost of the "extras" listed above. Then don't forget about labor. Insurance for 10k would be minimal, better to make it at least 15k. 

Additionally, are you going to get sued for destroying someone's action? Don't forget to add in some "go-away" money into your insurance bid.

------------------------------
Benjamin Sanchez, RPT
Piano Technician / Artisan
(805) 315-8050
www.professional-piano-services.com
------------------------------

Hi Craig,
Our company, Reyburn Pianoworks makes keysets, and occasionally we make custom keyframes. We insure each keyboard/action in our shop for $15,000.  Almost all pianos we deal with are Steinway or Mason & Hamlin.  If you lose the keyframe, that's the worst case scenario. A new keyframe/keyboard would then need to be "forefinished" into the piano, a several day job for an expert.  We can build a new keyset much easier if we have the keyframe.

Hope that helps,

Best regards,

-Dean Reyburn, RPT
Reyburn Pianoworks
www.reyburnpianoworks.com 
1-888-763-8440

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Dean Reyburn, RPT
Reyburn Piano Service, Inc.
Cedar Springs, MI 49319
888-763-8440
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Original Message:
Sent: 08-01-2019 09:17
From: Craig Miller
Subject: Insuring An Action

I need to revise my business insurance and am looking at a possible worst case of an action being totally destroyed. In otherwords, a workshop fire. Has anyone out there already researched what the cost would be? If it were a piano no longer in production, I would need to have a keyframe and keys made, order brackets, rails, stack parts, drill everything, ascertain strike point on strings, etc. Off the top of my head I'm thinking $10k, but that's just a guess.

------------------------------
Craig Miller
Marietta GA
770-321-9390
------------------------------