Hi Kayoko,
Insurance for piano technicians is tricky because critical protections like CCC, E&O, and Inland Marine are usually excluded from standard General Liability (GL) unless specifically added.
In California, these specialized coverages are almost impossible to find today. I've consulted at least five brokers over the last two years, and none could find these extras. PLC/Hanover and State Farm simply don't offer these professional add-ons in the state anymore. In fact, a State Farm agency recently explained that because business policies are categorized under their "fire" department, they aren't writing any new policies in California at all right now.
If you only need General Liability for institutional work, most schools only require a basic Certificate of Insurance (COI), and there are much cheaper options available. It feels misleading for the PTG to partner with PLC, implying their policies are customized for us when they often lack these essential protections. We have to do our own due diligence to know what is actually included; there's no reason to pay a premium for PLC or State Farm if they aren't providing the specialized coverage we actually need.