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<blockquote data-quote="Browncoat" data-source="post: 354967" data-attributes="member: 1061"><p>Yep, very important. 90% of any insurance is applied to how the property that is insured is being <strong>used</strong>. And if that use falls under any kind of business/commercial, then people are sh*t outta luck. I've seen a lot of people get burned. The previous examples were just what-if's, but here's one that actually happened:</p><p></p><p>A gentleman walked into our office one day with some estimates. He was a doctor who owned a practice just a few blocks away. He hired some guy to mow the lawn at his business, and the guy had backed his truck into the doctor's building and caused some damage. He hit a water or electric meter, and damaged some masonry. The guy gave the doctor our info as his auto insurance carrier. And we were. We had his personal auto insurance. But...</p><p></p><p>That's commercial use, not personal. No commercial policy = no coverage, plain and simple. Even just showing up to mow a lawn on someone else's property is viewed as a part-time landscaping business, and unless you have your ducks in a row, you can get burned. The doctor's business insurance wouldn't cover it either, because his policy (and most) require the use of real contractors for work done on the property.</p><p></p><p>Moral of the story: I get up in arms about a lot of "pros" and their outdated business models and the snobbery of what it means to be a "pro" vs "Joe". But when it comes to insurance...it's no joke. I'm all for people doing photography on the side and earning a few bucks, but for goodness sake, at least have the common sense to protect yourself.</p></blockquote><p></p>
[QUOTE="Browncoat, post: 354967, member: 1061"] Yep, very important. 90% of any insurance is applied to how the property that is insured is being [B]used[/B]. And if that use falls under any kind of business/commercial, then people are sh*t outta luck. I've seen a lot of people get burned. The previous examples were just what-if's, but here's one that actually happened: A gentleman walked into our office one day with some estimates. He was a doctor who owned a practice just a few blocks away. He hired some guy to mow the lawn at his business, and the guy had backed his truck into the doctor's building and caused some damage. He hit a water or electric meter, and damaged some masonry. The guy gave the doctor our info as his auto insurance carrier. And we were. We had his personal auto insurance. But... That's commercial use, not personal. No commercial policy = no coverage, plain and simple. Even just showing up to mow a lawn on someone else's property is viewed as a part-time landscaping business, and unless you have your ducks in a row, you can get burned. The doctor's business insurance wouldn't cover it either, because his policy (and most) require the use of real contractors for work done on the property. Moral of the story: I get up in arms about a lot of "pros" and their outdated business models and the snobbery of what it means to be a "pro" vs "Joe". But when it comes to insurance...it's no joke. I'm all for people doing photography on the side and earning a few bucks, but for goodness sake, at least have the common sense to protect yourself. [/QUOTE]
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