Re: [Coworking] Insurance Costs?

[Jerome Chang]

I pay <0.01% of my Op Ex

Jerome
www.BLANKSPACES.com

> On Oct 5, 2018, at 1:48 PM, meli...@thevillageworks.com wrote:
> 
> Hello wonderful coworking community,
> 
> I know there's been lots of discussion about insurance and how to get it. 
> 
> I'm wondering if anyone would share with me what they pay for insurance, or 
> at least what proportion of your operating budget you expect it to be? I know 
> it depends on tons of factors including location and what uses you're 
> covering, but I just have no idea if we're overpaying. We do have a pretty 
> big policy protecting the investment we made in our building. Currently 
> insurance is about 2% of our operating budget, big enough that I want to look 
> at it more closely.
> 
> Thank you!
> 
> All the best,
> Melissa
> 
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[Coworking] Insurance Costs?

[melissa]

Hello wonderful coworking community,

I know there's been lots of discussion about insurance and how to get it. 

I'm wondering if anyone would share with me what they pay for insurance, or 
at least what proportion of your operating budget you expect it to be? I 
know it depends on tons of factors including location and what uses you're 
covering, but I just have no idea if we're overpaying. We do have a pretty 
big policy protecting the investment we made in our building. Currently 
insurance is about 2% of our operating budget, big enough that I want to 
look at it more closely.

Thank you!

All the best,
Melissa

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Re: [Coworking] Insurance

[Honey4d]

Hi Tom. I would be interested in your UK insurance contact if you don't 
mind. 

Thanks.
Jon

On Friday, 16 October 2015 09:58:13 UTC+1, Tom Lewis wrote:
>
> I have on occasion been in meetings and referred to Alex as the Godfather 
> of coworking!
>
> I have a great contact here in the UK for specialised coworking insurance 
> by the way, if anyone is interested
>
> On Friday, 16 October 2015 00:29:30 UTC+1, Alex Hillman wrote:
>>
>> Yay! 
>>
>> -Alex
>>
>> On Thursday, October 15, 2015, Jennifer Kready <jennifer...@gmail.com> 
>> wrote:
>>
>>> Alex - had a great call with Diane this morning.  She called you the 
>>> 'godfather of coworking' :) 
>>>
>>> Excited that I don't have to work this angle so hard, focusing on other 
>>> not so easy tasks.  Thanks for sharing this gem of a resource (and human - 
>>> she's so nice!)
>>>
>>> Jen
>>>
>>> -- 
>>> Visit this forum on the web at http://discuss.coworking.com
>>> --- 
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>>> Groups "Coworking" group.
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>>> an email to coworking+unsubscr...@googlegroups.com.
>>> For more options, visit https://groups.google.com/d/optout.
>>>
>>
>>
>> -- 
>>
>> --
>> *The #1 mistake in community building is doing it by yourself.*
>> Join the list: http://coworkingweekly.com
>> Listen to the podcast: http://dangerouslyawesome.com/podcast
>>
>>

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Re: [Coworking] Insurance

[Tom Lewis]

I have on occasion been in meetings and referred to Alex as the Godfather 
of coworking!

I have a great contact here in the UK for specialised coworking insurance 
by the way, if anyone is interested

On Friday, 16 October 2015 00:29:30 UTC+1, Alex Hillman wrote:
>
> Yay! 
>
> -Alex
>
> On Thursday, October 15, 2015, Jennifer Kready <jennifer...@gmail.com 
> > wrote:
>
>> Alex - had a great call with Diane this morning.  She called you the 
>> 'godfather of coworking' :) 
>>
>> Excited that I don't have to work this angle so hard, focusing on other 
>> not so easy tasks.  Thanks for sharing this gem of a resource (and human - 
>> she's so nice!)
>>
>> Jen
>>
>> -- 
>> Visit this forum on the web at http://discuss.coworking.com
>> --- 
>> You received this message because you are subscribed to the Google Groups 
>> "Coworking" group.
>> To unsubscribe from this group and stop receiving emails from it, send an 
>> email to coworking+unsubscr...@googlegroups.com.
>> For more options, visit https://groups.google.com/d/optout.
>>
>
>
> -- 
>
> --
> *The #1 mistake in community building is doing it by yourself.*
> Join the list: http://coworkingweekly.com
> Listen to the podcast: http://dangerouslyawesome.com/podcast
>
>

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Re: [Coworking] Insurance

[Jennifer Kready]

Alex - had a great call with Diane this morning.  She called you the 
'godfather of coworking' :) 

Excited that I don't have to work this angle so hard, focusing on other not 
so easy tasks.  Thanks for sharing this gem of a resource (and human - 
she's so nice!)

Jen

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Re: [Coworking] Insurance

[Alex Hillman]

Yay!

-Alex

On Thursday, October 15, 2015, Jennifer Kready 
wrote:

> Alex - had a great call with Diane this morning.  She called you the
> 'godfather of coworking' :)
>
> Excited that I don't have to work this angle so hard, focusing on other
> not so easy tasks.  Thanks for sharing this gem of a resource (and human -
> she's so nice!)
>
> Jen
>
> --
> Visit this forum on the web at http://discuss.coworking.com
> ---
> You received this message because you are subscribed to the Google Groups
> "Coworking" group.
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> 
> .
> For more options, visit https://groups.google.com/d/optout.
>


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[Coworking] Diane @ Preston-Patterson is no longer able to offer coworking insurance for spaces in NYC

[James Davison]

Does anyone have another good contact to discuss this with?

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Re: [Coworking] Insurance

[Alex Hillman]

Thanks for saying that, Gretchen :)

On Thursday, March 12, 2015, Gretchen Bilbro cultivatecowork...@gmail.com
wrote:

 Great article Alex! You are so helpful and please know that you and your
 work is very much appreciated. :)
 G

 On Tuesday, March 10, 2015 at 9:12:16 PM UTC-5, Gretchen Bilbro wrote:

 Hello everyone! We just opened recently and I am having a difficult time
 getting liability insurance. Coworking is new to my area and they seem to
 be having a difficult time figuring out exactly how I fit in their
 groupings. Can anyone give me leads on insurance companies that work with
 Coworking spaces? Also how has alcohol affected your insurance policy?
 Thanks!
 Gretchen

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Listen to the podcast: http://dangerouslyawesome.com/podcast

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[Coworking] Insurance

[Gretchen Bilbro]

Hello everyone! We just opened recently and I am having a difficult time 
getting liability insurance. Coworking is new to my area and they seem to be 
having a difficult time figuring out exactly how I fit in their groupings. Can 
anyone give me leads on insurance companies that work with Coworking spaces? 
Also how has alcohol affected your insurance policy? Thanks!
Gretchen

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Re: [Coworking] Insurance

[Alex Hillman]

After dozens of agents who didn't have a clue, I lucked out and found an
AMAZING agent who has consistently helped us get the coverage we need. That
includes alcohol (on site and off-site) and other special events insurance.

And she's helped tons of US based coworking spaces get very affordable
policies when other agents were quoting insanely high premiums. According
to Diane (my agent):

The problem that other agents have with quoting coworking spaces is that
 most insurance companies do not have an actual “cookie cutter” insurance
 classification available that fits a coworking operation and most agents
 don’t have a grasp on the understanding of the coworking operation which in
 turn, results in underwriters not having a clear understanding of the
 operation.



 When the underwriters are not forced to “think outside the box” to see
 that a coworking operation will qualify for a different class code than a
 lessor’s risk class code, they nor their quoting system will allow it,
 resulting in preposterous premiums that do not accurately reflect the risk.


Thanks to working with you I have an understanding of how the coworking
 spaces operate and what it entails.  In turn, I have taught some of my
 specific underwriters to have the same understanding, and to see things my
 way.


You can reach out to her directly: Diane Cheezum 
di...@preston-patterson.com

Good luck!

-Alex



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Join the list: http://coworkingweekly.com
Listen to the podcast: http://dangerouslyawesome.com/podcast

On Tue, Mar 10, 2015 at 10:12 PM, Gretchen Bilbro gretchen.bil...@gmail.com
 wrote:

 Hello everyone! We just opened recently and I am having a difficult time
 getting liability insurance. Coworking is new to my area and they seem to
 be having a difficult time figuring out exactly how I fit in their
 groupings. Can anyone give me leads on insurance companies that work with
 Coworking spaces? Also how has alcohol affected your insurance policy?
 Thanks!
 Gretchen

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Re: [Coworking] Insurance

[Will Bennis, Locus Workspace]

Joshua, 

Did you have a look already at the Freelancers Union? Here's their page on 
insurance:

https://www.freelancersunion.org/benefits/

Best,
Will

On Tuesday, January 7, 2014 2:33:53 AM UTC+1, Jerome wrote:

 Hi Joshua. A PEO is an interesting option that I've been exploring. 
 Tri-Net is becoming popular among tech firms and several coworking spaces I 
 know of in California. For what you describe, I like MBO Partners. You 
 basically only pay your monthly fee when you generate revenue, so it's 
 quite ideal for those who might ebb and flow. From what I understand, MBO 
 is NOT ideal for people like me who are architects or other licensed-typed 
 of professionals.

 Anyway, contact:
 *AASSIA HAQ*
 *Chief Marketing Officer*
 MBO Partners
  
 *t:* 703.793.6004
 *f:* 703.793.6070
 *e:* a...@mbopartners.com javascript:
 *w:* www.mbopartners.com


 *JEROME CHANG*

 *Mid-Wilshire*
 5405 Wilshire Blvd (2 blocks west of La Brea) | Los Angeles CA 90036 
 ph: (323) 330-9505

 *Downtown*
 529 S. Broadway, Suite 4000 (@Pershing Square) | Los Angeles CA 90013 
 ph: (213) 550-2235 


 http://www.yelp.com/biz/blankspaces-los-angeleshttps://twitter.com/BLANKSPACEShttps://www.facebook.com/pages/BLANKSPACES/132257631339https://www.facebook.com/pages/BLANKSPACES/132257631339http://www.linkedin.com/company/blankspaces?trk=top_nav_home
  
 http://vimeo.com/blankspaces
  http://vimeo.com/blankspaces
 On Jan 6, 2014, at 10:13 AM, Joshua Marpet 
 jma...@datadevastation.comjavascript: 
 wrote:

 Ashley, 

 Awesome!  Congrats on the healthcare!  We're all US based, some Denver, 
 some Silicon Valley, one guy's in Rhode Island, and I'm in Delaware. 

 Any tactics you used would be great to hear about!  Please go ahead.

 Joshua


 On Mon, Jan 6, 2014 at 1:07 PM, Ashley Proctor 
 ash...@foundery.isjavascript:
  wrote:

 Hi Joshua

 Where are you located?

 I designed COHIP (Coworking Health Insurance Plan) for all of the members 
 of the Coworking Ontario collective.
 We are an informal collective of independent businesses (coworking 
 spaces) in Ontario Canada.
 http://coworkingontario.ca/cohip

 The trick for us was convincing the insurance provider that the 
 organization (CoworkingOntario collective) was like the traditional 
 'employer' and the member spaces (including their coworking members) were 
 like the traditional 'employees'. It took a year to convince the providers 
 of this new model.
 We ARE shaping the future of work...

 I'd be happy to answer any specific questions you might have - feel free 
 to contact me directly.

 Ashley Proctor

 Foundery
 Toronto, Canada
 ash...@foundery.is javascript:
 www.foundery.is



  
 On Jan 6, 2014, at 12:40 PM, Joshua Marpet wrote:

 I have a bit of a weird insurance question.  I'm helping out a hacker 
 crew, friends of mine, since the company a majority of them worked for 
 stopped paying them.  Not folded and went under, just  told them they 
 wouldn't be getting paychecks, since they ran out of money.  Oh, and if you 
 take unemployment, you've quit and forfeited your job.  Ignore this 
 situation, they;ve got lawyers involved.

 What we're doing is forming an association, if you will. (It's not 
 coworking, as we are geographically disparate) We're trading work, 
 references, etc.  We're trying to figure out how to do liability, umbrella, 
 and EO insurance for a price low enough for people to buy in.  

 I looked up PEO's (Professional Employment Organizations), but I don't 
 think they fit the bill.

 I'm not asking a specific question, and for that, I apologize.  I'm 
 looking for some guidance or advice, if anyone has any.

 Thanks!!!

 Joshua Marpet

 -- 
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[Coworking] Insurance

[Joshua Marpet]

I have a bit of a weird insurance question.  I'm helping out a hacker crew,
friends of mine, since the company a majority of them worked for stopped
paying them.  Not folded and went under, just  told them they wouldn't
be getting paychecks, since they ran out of money.  Oh, and if you take
unemployment, you've quit and forfeited your job.  Ignore this situation,
they;ve got lawyers involved.

What we're doing is forming an association, if you will. (It's not
coworking, as we are geographically disparate) We're trading work,
references, etc.  We're trying to figure out how to do liability, umbrella,
and EO insurance for a price low enough for people to buy in.

I looked up PEO's (Professional Employment Organizations), but I don't
think they fit the bill.

I'm not asking a specific question, and for that, I apologize.  I'm looking
for some guidance or advice, if anyone has any.

Thanks!!!

Joshua Marpet

-- 
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Re: [Coworking] Insurance

[Ashley Proctor]

Hi Joshua

Where are you located?

I designed COHIP (Coworking Health Insurance Plan) for all of the members of 
the Coworking Ontario collective.
We are an informal collective of independent businesses (coworking spaces) in 
Ontario Canada.
http://coworkingontario.ca/cohip

The trick for us was convincing the insurance provider that the organization 
(CoworkingOntario collective) was like the traditional 'employer' and the 
member spaces (including their coworking members) were like the traditional 
'employees'. It took a year to convince the providers of this new model.
We ARE shaping the future of work...

I'd be happy to answer any specific questions you might have - feel free to 
contact me directly.

Ashley Proctor

Foundery
Toronto, Canada
ash...@foundery.is
www.foundery.is




On Jan 6, 2014, at 12:40 PM, Joshua Marpet wrote:

 I have a bit of a weird insurance question.  I'm helping out a hacker crew, 
 friends of mine, since the company a majority of them worked for stopped 
 paying them.  Not folded and went under, just  told them they wouldn't be 
 getting paychecks, since they ran out of money.  Oh, and if you take 
 unemployment, you've quit and forfeited your job.  Ignore this situation, 
 they;ve got lawyers involved.
 
 What we're doing is forming an association, if you will. (It's not coworking, 
 as we are geographically disparate) We're trading work, references, etc.  
 We're trying to figure out how to do liability, umbrella, and EO insurance 
 for a price low enough for people to buy in.  
 
 I looked up PEO's (Professional Employment Organizations), but I don't think 
 they fit the bill.
 
 I'm not asking a specific question, and for that, I apologize.  I'm looking 
 for some guidance or advice, if anyone has any.
 
 Thanks!!!
 
 Joshua Marpet
 
 -- 
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 --- 
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Re: [Coworking] Insurance

[Joshua Marpet]

Ashley,

Awesome!  Congrats on the healthcare!  We're all US based, some Denver,
some Silicon Valley, one guy's in Rhode Island, and I'm in Delaware.

Any tactics you used would be great to hear about!  Please go ahead.

Joshua


On Mon, Jan 6, 2014 at 1:07 PM, Ashley Proctor ash...@foundery.is wrote:

 Hi Joshua

 Where are you located?

 I designed COHIP (Coworking Health Insurance Plan) for all of the members
 of the Coworking Ontario collective.
 We are an informal collective of independent businesses (coworking spaces)
 in Ontario Canada.
 http://coworkingontario.ca/cohip

 The trick for us was convincing the insurance provider that the
 organization (CoworkingOntario collective) was like the traditional
 'employer' and the member spaces (including their coworking members) were
 like the traditional 'employees'. It took a year to convince the providers
 of this new model.
 We ARE shaping the future of work...

 I'd be happy to answer any specific questions you might have - feel free
 to contact me directly.

 Ashley Proctor

 Foundery
 Toronto, Canada
 ash...@foundery.is
 www.foundery.is




 On Jan 6, 2014, at 12:40 PM, Joshua Marpet wrote:

 I have a bit of a weird insurance question.  I'm helping out a hacker
 crew, friends of mine, since the company a majority of them worked for
 stopped paying them.  Not folded and went under, just  told them they
 wouldn't be getting paychecks, since they ran out of money.  Oh, and if you
 take unemployment, you've quit and forfeited your job.  Ignore this
 situation, they;ve got lawyers involved.

 What we're doing is forming an association, if you will. (It's not
 coworking, as we are geographically disparate) We're trading work,
 references, etc.  We're trying to figure out how to do liability, umbrella,
 and EO insurance for a price low enough for people to buy in.

 I looked up PEO's (Professional Employment Organizations), but I don't
 think they fit the bill.

 I'm not asking a specific question, and for that, I apologize.  I'm
 looking for some guidance or advice, if anyone has any.

 Thanks!!!

 Joshua Marpet

 --
 Visit this forum on the web at http://discuss.coworking.com
 ---
 You received this message because you are subscribed to the Google Groups
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Re: [Coworking] Insurance

[Jerome Chang]

Hi Joshua. A PEO is an interesting option that I've been exploring. Tri-Net is 
becoming popular among tech firms and several coworking spaces I know of in 
California. For what you describe, I like MBO Partners. You basically only pay 
your monthly fee when you generate revenue, so it's quite ideal for those who 
might ebb and flow. From what I understand, MBO is NOT ideal for people like me 
who are architects or other licensed-typed of professionals.

Anyway, contact:
AASSIA HAQ
Chief Marketing Officer
MBO Partners
 
t: 703.793.6004
f: 703.793.6070
e: a...@mbopartners.com
w: www.mbopartners.com

JEROME CHANG

Mid-Wilshire
5405 Wilshire Blvd (2 blocks west of La Brea) | Los Angeles CA 90036 
ph: (323) 330-9505


Downtown
529 S. Broadway, Suite 4000 (@Pershing Square) | Los Angeles CA 90013 
ph: (213) 550-2235 





On Jan 6, 2014, at 10:13 AM, Joshua Marpet jmar...@datadevastation.com wrote:

 Ashley, 
 
 Awesome!  Congrats on the healthcare!  We're all US based, some Denver, some 
 Silicon Valley, one guy's in Rhode Island, and I'm in Delaware. 
 
 Any tactics you used would be great to hear about!  Please go ahead.
 
 Joshua
 
 
 On Mon, Jan 6, 2014 at 1:07 PM, Ashley Proctor ash...@foundery.is wrote:
 Hi Joshua
 
 Where are you located?
 
 I designed COHIP (Coworking Health Insurance Plan) for all of the members of 
 the Coworking Ontario collective.
 We are an informal collective of independent businesses (coworking spaces) in 
 Ontario Canada.
 http://coworkingontario.ca/cohip
 
 The trick for us was convincing the insurance provider that the organization 
 (CoworkingOntario collective) was like the traditional 'employer' and the 
 member spaces (including their coworking members) were like the traditional 
 'employees'. It took a year to convince the providers of this new model.
 We ARE shaping the future of work...
 
 I'd be happy to answer any specific questions you might have - feel free to 
 contact me directly.
 
 Ashley Proctor
 
 Foundery
 Toronto, Canada
 ash...@foundery.is
 www.foundery.is
 
 
 
 
 On Jan 6, 2014, at 12:40 PM, Joshua Marpet wrote:
 
 I have a bit of a weird insurance question.  I'm helping out a hacker crew, 
 friends of mine, since the company a majority of them worked for stopped 
 paying them.  Not folded and went under, just  told them they wouldn't 
 be getting paychecks, since they ran out of money.  Oh, and if you take 
 unemployment, you've quit and forfeited your job.  Ignore this situation, 
 they;ve got lawyers involved.
 
 What we're doing is forming an association, if you will. (It's not 
 coworking, as we are geographically disparate) We're trading work, 
 references, etc.  We're trying to figure out how to do liability, umbrella, 
 and EO insurance for a price low enough for people to buy in.  
 
 I looked up PEO's (Professional Employment Organizations), but I don't think 
 they fit the bill.
 
 I'm not asking a specific question, and for that, I apologize.  I'm looking 
 for some guidance or advice, if anyone has any.
 
 Thanks!!!
 
 Joshua Marpet
 
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[Coworking] Insurance for coworking spaces

[Leslie]

I'm hoping to tune into some industry expectations here... what are the 
necessary/prudent elements of an insurance policy for coworking spaces, 
especially security and liability issues with 24/7 members? For over a 
year, our insurance agent for OfficeXpats (on Bainbridge Island, near 
Seattle) has STRONGLY recommended that we get proof of business insurance 
from our after-hours members so that we are not a primary if something 
happens to one of our members or their clients/guests. She says “If one of 
the businesses meaning one of our members brings in clients and the 
clients are injured due to negligence on that business owner's part, they 
must have liability insurance that protects their clients against their 
negligent acts.  Your policy should not cover their negligence.” While 
encouraging liability insurance for independent professionals seems like a 
good thing to do, do we need to put that hoop in the way of our members? 
 With coworking being a more common business model these days, is there a 
type of policy we could talk to our agent about? Thanks, Leslie

 

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Re: [Coworking] Insurance for coworking spaces

[Jerome Chang]

I'd disagree.  You can include some waiver in your membership agreement with 
your own members that releases you from their issues.


Jerome
__
BLANKSPACES
work FOR yourself, not BY yourself

www.blankspaces.com
5405 Wilshire Blvd (2 blocks west of La Brea) Los Angeles, CA 90036
323.330.9505 (office)

On Feb 10, 2013, at 10:51 AM, Leslie les...@officexpats.com wrote:

 I'm hoping to tune into some industry expectations here... what are the 
 necessary/prudent elements of an insurance policy for coworking spaces, 
 especially security and liability issues with 24/7 members? For over a year, 
 our insurance agent for OfficeXpats (on Bainbridge Island, near Seattle) has 
 STRONGLY recommended that we get proof of business insurance from our 
 after-hours members so that we are not a primary if something happens to one 
 of our members or their clients/guests. She says “If one of the businesses 
 meaning one of our members brings in clients and the clients are injured 
 due to negligence on that business owner's part, they must have liability 
 insurance that protects their clients against their negligent acts.  Your 
 policy should not cover their negligence.” While encouraging liability 
 insurance for independent professionals seems like a good thing to do, do we 
 need to put that hoop in the way of our members?  With coworking being a more 
 common business model these days, is there a type of policy we could talk to 
 our agent about? Thanks, Leslie
  
 
 
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Re: [Coworking] Insurance Agents / Brokers / Carriers / Policies?

[ShannonSkylightCoworking]

Thank you, Alex!  I'll reach out to them!

Best Regards,
Shannon

On Tuesday, September 11, 2012 8:20:50 PM UTC-4, Alex Hillman wrote:

 Congrats on the launch!

 Search my posts on this forum for The Hartford. Ive shared my agent who 
 is in Conshohocken. They get it. 

 -Alex
 /ah
 IndyHall.org

 On Sep 11, 2012, at 8:17 PM, ShannonSkylightCoworking 
 shannon...@gmail.com javascript: wrote:

 Hello Friends! My space, Skylight Coworking www.skylightcoworking.com, is 
 set to open this October in Phoenixville PA, and while I have almost 
 everything else locked down, I can't seem to find an insurance agent who 
 fully understands what coworking is and/or how my business and space needs 
 to be covered, insurance-wise.  Would anyone mind sharing a 
 sample policy with me, and/or names of agents, and/or names of the carriers 
 your agents use.  This is my last piece of the puzzle and would be a 
 tremendous help.  I can be reached directly at 
 shannon...@gmail.comjavascript:as well.

 Thanks SO MUCH! -Shannon

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[Coworking] Insurance Agents / Brokers / Carriers / Policies?

[ShannonSkylightCoworking]

Hello Friends! My space, Skylight Coworking www.skylightcoworking.com, is 
set to open this October in Phoenixville PA, and while I have almost 
everything else locked down, I can't seem to find an insurance agent who 
fully understands what coworking is and/or how my business and space needs 
to be covered, insurance-wise.  Would anyone mind sharing a 
sample policy with me, and/or names of agents, and/or names of the carriers 
your agents use.  This is my last piece of the puzzle and would be a 
tremendous help.  I can be reached directly at shannoncogh...@gmail.com as 
well.

Thanks SO MUCH! -Shannon

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Re: [Coworking] Insurance Agents / Brokers / Carriers / Policies?

[Alex Hillman]

Congrats on the launch!

Search my posts on this forum for The Hartford. Ive shared my agent who is in 
Conshohocken. They get it. 

-Alex
/ah
IndyHall.org

On Sep 11, 2012, at 8:17 PM, ShannonSkylightCoworking 
shannoncogh...@gmail.com wrote:

 Hello Friends! My space, Skylight Coworking www.skylightcoworking.com, is set 
 to open this October in Phoenixville PA, and while I have almost everything 
 else locked down, I can't seem to find an insurance agent who fully 
 understands what coworking is and/or how my business and space needs to be 
 covered, insurance-wise.  Would anyone mind sharing a sample policy with me, 
 and/or names of agents, and/or names of the carriers your agents use.  This 
 is my last piece of the puzzle and would be a tremendous help.  I can be 
 reached directly at shannoncogh...@gmail.com as well.
 
 Thanks SO MUCH! -Shannon
 -- 
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Re: [Coworking] Insurance

[Cody Sullivan]

Hi Alex,
My partner and I saw your recommendation for The Hartford in an older post. 
Do your reps deal beyond Philly? We found an agency that works with The 
Hartford in NYC, but unfortunately they just did not get coworking. By the 
way, a lot of your information has been extremely useful. We've been 
extremely busy since we just started, but we intend to give proper thanks 
to everyone on our site when we catch our breath.
Cheers,
Cody
batha.us


On Monday, July 16, 2012 11:43:47 PM UTC-4, Alex Hillman wrote:

  In addition to everything that Tom said (which is spot on with our 
 arrangement), I strongly recommend speaking with an insurance agent that 
 understands coworking, lest your policy costs go sky high. 

 I've referred our agent for The Hartford to people all over the US and 
 they've been able to help or make recommendations.

 Preston-Patterson Co., Inc.
 P.O. Box 244
 Conshohocken, PA 19428
 Phone: (610) 834-0090

 You can ask for Stuart or Diane and let them know that Alex from 
 Independents Hall recommended you. We don't get any kickbacks on this, I 
 just love recommending great people that get it.

 -Alex


 -- 
 /ah
 indyhall.org
 coworking in philadelphia

 On Monday, July 16, 2012 at 11:39 PM, Tom Brandt wrote:

 Your landlord will likely require that you provide liability insurance 
 insuring them against anything that might happen to someone while in the 
 space. This is a pretty standard lease requirement. You will want similar 
 coverage in case someone injures themselves or, God forbid, dies for some 
 reason. We are insured up to $1,000,000 per occurrence, with a $2,000,000 
 cap.

 Beyond that, you will want to investigate insuring your assets against 
 theft and damage. This is pretty much adding up the value of the assets and 
 insuring for that amount. We insure Workantile property, but not members' 
 property.

 Your example of a electrical surge damaging someone's computer is, I 
 think, their problem. Electrical surges are a power company issue, not one 
 of yours and I don't think you can be held responsible for it.

 You might consider insuring against the revenue loss that would occur if 
 the space is unusable due to fire or some other catastrophe. Typically, you 
 would insure up to some number of months of revenue loss.

 On Wed, Jul 11, 2012 at 9:58 AM, Andrew Harben rigsby...@gmail.comwrote:

 We are just setting up for 40 seats and are thinking about insurance, one 
 of those subjects that can be a chore but is very necessary.

 The coworkers will be aware of, and sign their acknowledgment to the fact, 
 that they remain responsible for their own property at all times - easy 
 enough. We are intending to have small lockers to rent, if they are staying 
 or a week or month and don't want to carry their stuff to lunch or home 
 every evening - they are still solely responsible. 

 But the site will have machines for printing, servers for data and the 
 like, so we need to cover these items for loss or damage. And we intend to 
 provide 24/7 access to VIP members but there won't be sitestaff here all 
 the time (there'll be an magswipe access door system, camera's etc.).

 And what if their are charging their notebook and there is a major spike 
 in the power supply.

 So have you got any tips from your own experiences?

 'Speak' soon

 Andrew 




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 @twbrandt

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Re: [Coworking] Insurance

[Alex Hillman]

Yep, they've worked with people outside of the area. 


-- 
/ah
indyhall.org
coworking in philadelphia



On Friday, July 20, 2012 at 1:34 PM, Cody Sullivan wrote:

 Hi Alex,
 My partner and I saw your recommendation for The Hartford in an older post. 
 Do your reps deal beyond Philly? We found an agency that works with The 
 Hartford in NYC, but unfortunately they just did not get coworking. By the 
 way, a lot of your information has been extremely useful. We've been 
 extremely busy since we just started, but we intend to give proper thanks to 
 everyone on our site when we catch our breath.
 Cheers,
 Cody
 batha.us (http://batha.us)
 
 
 On Monday, July 16, 2012 11:43:47 PM UTC-4, Alex Hillman wrote:
  In addition to everything that Tom said (which is spot on with our 
  arrangement), I strongly recommend speaking with an insurance agent that 
  understands coworking, lest your policy costs go sky high. 
  
  I've referred our agent for The Hartford to people all over the US and 
  they've been able to help or make recommendations.
  
  Preston-Patterson Co., Inc.
  P.O. Box 244
  Conshohocken, PA 19428
  Phone: (610) 834-0090
  
  
  You can ask for Stuart or Diane and let them know that Alex from 
  Independents Hall recommended you. We don't get any kickbacks on this, I 
  just love recommending great people that get it.
  
  -Alex 
  
  
  -- 
  /ah
  indyhall.org (http://indyhall.org)
  coworking in philadelphia
  
  
  
  On Monday, July 16, 2012 at 11:39 PM, Tom Brandt wrote:
  
   Your landlord will likely require that you provide liability insurance 
   insuring them against anything that might happen to someone while in the 
   space. This is a pretty standard lease requirement. You will want similar 
   coverage in case someone injures themselves or, God forbid, dies for some 
   reason. We are insured up to $1,000,000 per occurrence, with a $2,000,000 
   cap.
   
   Beyond that, you will want to investigate insuring your assets against 
   theft and damage. This is pretty much adding up the value of the assets 
   and insuring for that amount. We insure Workantile property, but not 
   members' property. 
   
   Your example of a electrical surge damaging someone's computer is, I 
   think, their problem. Electrical surges are a power company issue, not 
   one of yours and I don't think you can be held responsible for it. 
   
   You might consider insuring against the revenue loss that would occur if 
   the space is unusable due to fire or some other catastrophe. Typically, 
   you would insure up to some number of months of revenue loss. 
   
   On Wed, Jul 11, 2012 at 9:58 AM, Andrew Harben rigsby...@gmail.com 
   (mailto:rigsby...@gmail.com) wrote:
We are just setting up for 40 seats and are thinking about insurance, 
one of those subjects that can be a chore but is very necessary.

The coworkers will be aware of, and sign their acknowledgment to the 
fact, that they remain responsible for their own property at all times 
- easy enough. We are intending to have small lockers to rent, if they 
are staying or a week or month and don't want to carry their stuff to 
lunch or home every evening - they are still solely responsible.  

But the site will have machines for printing, servers for data and the 
like, so we need to cover these items for loss or damage. And we intend 
to provide 24/7 access to VIP members but there won't be sitestaff here 
all the time (there'll be an magswipe access door system, camera's 
etc.). 

And what if their are charging their notebook and there is a major 
spike in the power supply.

So have you got any tips from your own experiences?

'Speak' soon 

Andrew 




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   member, Workantile (http://workantile.com/)
   @twbrandt
   
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Re: [Coworking] Insurance

[Tom Brandt]

Another insurance resource that gets coworking is Jeff DiCenzo, of Hylant
Group http://www.hylant.com/ in Ann Arbor. Jeff's number is 734-741-0044.
We went through a couple of agents before we found Jeff, but he's been
great for us. I don't know if he only works with people in Michigan or can
work with people outside the state.

On Fri, Jul 20, 2012 at 1:37 PM, Alex Hillman
dangerouslyawes...@gmail.comwrote:

  Yep, they've worked with people outside of the area.


 --
 /ah
 indyhall.org
 coworking in philadelphia

 On Friday, July 20, 2012 at 1:34 PM, Cody Sullivan wrote:

 Hi Alex,
 My partner and I saw your recommendation for The Hartford in an older
 post. Do your reps deal beyond Philly? We found an agency that works with
 The Hartford in NYC, but unfortunately they just did not get coworking. By
 the way, a lot of your information has been extremely useful. We've been
 extremely busy since we just started, but we intend to give proper thanks
 to everyone on our site when we catch our breath.
 Cheers,
 Cody
 batha.us


 On Monday, July 16, 2012 11:43:47 PM UTC-4, Alex Hillman wrote:

  In addition to everything that Tom said (which is spot on with our
 arrangement), I strongly recommend speaking with an insurance agent that
 understands coworking, lest your policy costs go sky high.

 I've referred our agent for The Hartford to people all over the US and
 they've been able to help or make recommendations.

 Preston-Patterson Co., Inc.
 P.O. Box 244
 Conshohocken, PA 19428
 Phone: (610) 834-0090

 You can ask for Stuart or Diane and let them know that Alex from
 Independents Hall recommended you. We don't get any kickbacks on this, I
 just love recommending great people that get it.

 -Alex


 --
 /ah
 indyhall.org
 coworking in philadelphia

 On Monday, July 16, 2012 at 11:39 PM, Tom Brandt wrote:

 Your landlord will likely require that you provide liability insurance
 insuring them against anything that might happen to someone while in the
 space. This is a pretty standard lease requirement. You will want similar
 coverage in case someone injures themselves or, God forbid, dies for some
 reason. We are insured up to $1,000,000 per occurrence, with a $2,000,000
 cap.

 Beyond that, you will want to investigate insuring your assets against
 theft and damage. This is pretty much adding up the value of the assets and
 insuring for that amount. We insure Workantile property, but not members'
 property.

 Your example of a electrical surge damaging someone's computer is, I
 think, their problem. Electrical surges are a power company issue, not one
 of yours and I don't think you can be held responsible for it.

 You might consider insuring against the revenue loss that would occur if
 the space is unusable due to fire or some other catastrophe. Typically, you
 would insure up to some number of months of revenue loss.

 On Wed, Jul 11, 2012 at 9:58 AM, Andrew Harben rigsby...@gmail.comwrote:

 We are just setting up for 40 seats and are thinking about insurance, one
 of those subjects that can be a chore but is very necessary.

 The coworkers will be aware of, and sign their acknowledgment to the fact,
 that they remain responsible for their own property at all times - easy
 enough. We are intending to have small lockers to rent, if they are staying
 or a week or month and don't want to carry their stuff to lunch or home
 every evening - they are still solely responsible.

 But the site will have machines for printing, servers for data and the
 like, so we need to cover these items for loss or damage. And we intend to
 provide 24/7 access to VIP members but there won't be sitestaff here all
 the time (there'll be an magswipe access door system, camera's etc.).

 And what if their are charging their notebook and there is a major spike
 in the power supply.

 So have you got any tips from your own experiences?

 'Speak' soon

 Andrew




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 --
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 member, Workantile http://workantile.com/
 @twbrandt

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Re: [Coworking] Insurance

[Glen Ferguson]

I want to chime in here with my experience. We've been extending buy
local to include more than farm produce. It took a couple of phone calls,
but we located a local agency (only 4 blocks away) that handles multiple
insurance companies. They took the time to get what coworking is, were
able to work with our (also local) bank which needed proof of insurance for
improvements were were doing, and they did the shopping for us among
multiple insurance companies. After pricing Zurich, MetLife and who knows
what else, they came back with a policy from Erie that was comparable on
coverage, but better on price.

Don't forget the local guy.

Glen
coworkfrederick.com

On Fri, Jul 20, 2012 at 1:46 PM, Tom Brandt twbra...@gmail.com wrote:

 Another insurance resource that gets coworking is Jeff DiCenzo, of Hylant
 Group http://www.hylant.com/ in Ann Arbor. Jeff's number is 734-741-0044.
 We went through a couple of agents before we found Jeff, but he's been
 great for us. I don't know if he only works with people in Michigan or can
 work with people outside the state.

 On Fri, Jul 20, 2012 at 1:37 PM, Alex Hillman 
 dangerouslyawes...@gmail.com wrote:

  Yep, they've worked with people outside of the area.


 --
 /ah
 indyhall.org
 coworking in philadelphia

 On Friday, July 20, 2012 at 1:34 PM, Cody Sullivan wrote:

 Hi Alex,
 My partner and I saw your recommendation for The Hartford in an older
 post. Do your reps deal beyond Philly? We found an agency that works with
 The Hartford in NYC, but unfortunately they just did not get coworking. By
 the way, a lot of your information has been extremely useful. We've been
 extremely busy since we just started, but we intend to give proper thanks
 to everyone on our site when we catch our breath.
 Cheers,
 Cody
 batha.us


 On Monday, July 16, 2012 11:43:47 PM UTC-4, Alex Hillman wrote:

  In addition to everything that Tom said (which is spot on with our
 arrangement), I strongly recommend speaking with an insurance agent that
 understands coworking, lest your policy costs go sky high.

 I've referred our agent for The Hartford to people all over the US and
 they've been able to help or make recommendations.

 Preston-Patterson Co., Inc.
 P.O. Box 244
 Conshohocken, PA 19428
 Phone: (610) 834-0090

 You can ask for Stuart or Diane and let them know that Alex from
 Independents Hall recommended you. We don't get any kickbacks on this, I
 just love recommending great people that get it.

 -Alex


 --
 /ah
 indyhall.org
 coworking in philadelphia

 On Monday, July 16, 2012 at 11:39 PM, Tom Brandt wrote:

 Your landlord will likely require that you provide liability insurance
 insuring them against anything that might happen to someone while in the
 space. This is a pretty standard lease requirement. You will want similar
 coverage in case someone injures themselves or, God forbid, dies for some
 reason. We are insured up to $1,000,000 per occurrence, with a $2,000,000
 cap.

 Beyond that, you will want to investigate insuring your assets against
 theft and damage. This is pretty much adding up the value of the assets and
 insuring for that amount. We insure Workantile property, but not members'
 property.

 Your example of a electrical surge damaging someone's computer is, I
 think, their problem. Electrical surges are a power company issue, not one
 of yours and I don't think you can be held responsible for it.

 You might consider insuring against the revenue loss that would occur if
 the space is unusable due to fire or some other catastrophe. Typically, you
 would insure up to some number of months of revenue loss.

 On Wed, Jul 11, 2012 at 9:58 AM, Andrew Harben rigsby...@gmail.comwrote:

 We are just setting up for 40 seats and are thinking about insurance, one
 of those subjects that can be a chore but is very necessary.

 The coworkers will be aware of, and sign their acknowledgment to the
 fact, that they remain responsible for their own property at all times -
 easy enough. We are intending to have small lockers to rent, if they are
 staying or a week or month and don't want to carry their stuff to lunch or
 home every evening - they are still solely responsible.

 But the site will have machines for printing, servers for data and the
 like, so we need to cover these items for loss or damage. And we intend to
 provide 24/7 access to VIP members but there won't be sitestaff here all
 the time (there'll be an magswipe access door system, camera's etc.).

 And what if their are charging their notebook and there is a major spike
 in the power supply.

 So have you got any tips from your own experiences?

 'Speak' soon

 Andrew




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[Coworking] Insurance

[Andrew Harben]

We are just setting up for 40 seats and are thinking about insurance, one 
of those subjects that can be a chore but is very necessary.

The coworkers will be aware of, and sign their acknowledgment to the fact, 
that they remain responsible for their own property at all times - easy 
enough. We are intending to have small lockers to rent, if they are staying 
or a week or month and don't want to carry their stuff to lunch or home 
every evening - they are still solely responsible. 

But the site will have machines for printing, servers for data and the 
like, so we need to cover these items for loss or damage. And we intend to 
provide 24/7 access to VIP members but there won't be sitestaff here all 
the time (there'll be an magswipe access door system, camera's etc.).

And what if their are charging their notebook and there is a major spike in 
the power supply.

So have you got any tips from your own experiences?

'Speak' soon

Andrew 




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Re: [Coworking] Insurance

[Tom Brandt]

Your landlord will likely require that you provide liability insurance
insuring them against anything that might happen to someone while in the
space. This is a pretty standard lease requirement. You will want similar
coverage in case someone injures themselves or, God forbid, dies for some
reason. We are insured up to $1,000,000 per occurrence, with a $2,000,000
cap.

Beyond that, you will want to investigate insuring your assets against
theft and damage. This is pretty much adding up the value of the assets and
insuring for that amount. We insure Workantile property, but not members'
property.

Your example of a electrical surge damaging someone's computer is, I think,
their problem. Electrical surges are a power company issue, not one of
yours and I don't think you can be held responsible for it.

You might consider insuring against the revenue loss that would occur if
the space is unusable due to fire or some other catastrophe. Typically, you
would insure up to some number of months of revenue loss.

On Wed, Jul 11, 2012 at 9:58 AM, Andrew Harben rigsby...@gmail.com wrote:

 We are just setting up for 40 seats and are thinking about insurance, one
 of those subjects that can be a chore but is very necessary.

 The coworkers will be aware of, and sign their acknowledgment to the fact,
 that they remain responsible for their own property at all times - easy
 enough. We are intending to have small lockers to rent, if they are staying
 or a week or month and don't want to carry their stuff to lunch or home
 every evening - they are still solely responsible.

 But the site will have machines for printing, servers for data and the
 like, so we need to cover these items for loss or damage. And we intend to
 provide 24/7 access to VIP members but there won't be sitestaff here all
 the time (there'll be an magswipe access door system, camera's etc.).

 And what if their are charging their notebook and there is a major spike
 in the power supply.

 So have you got any tips from your own experiences?

 'Speak' soon

 Andrew




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-- 
twb
member, Workantile http://workantile.com/
@twbrandt

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Re: [Coworking] Insurance

[Alex Hillman]

In addition to everything that Tom said (which is spot on with our 
arrangement), I strongly recommend speaking with an insurance agent that 
understands coworking, lest your policy costs go sky high. 

I've referred our agent for The Hartford to people all over the US and they've 
been able to help or make recommendations.

Preston-Patterson Co., Inc.
P.O. Box 244
Conshohocken, PA 19428
Phone: (610) 834-0090


You can ask for Stuart or Diane and let them know that Alex from Independents 
Hall recommended you. We don't get any kickbacks on this, I just love 
recommending great people that get it.

-Alex 


-- 
/ah
indyhall.org
coworking in philadelphia



On Monday, July 16, 2012 at 11:39 PM, Tom Brandt wrote:

 Your landlord will likely require that you provide liability insurance 
 insuring them against anything that might happen to someone while in the 
 space. This is a pretty standard lease requirement. You will want similar 
 coverage in case someone injures themselves or, God forbid, dies for some 
 reason. We are insured up to $1,000,000 per occurrence, with a $2,000,000 cap.
 
 Beyond that, you will want to investigate insuring your assets against theft 
 and damage. This is pretty much adding up the value of the assets and 
 insuring for that amount. We insure Workantile property, but not members' 
 property. 
 
 Your example of a electrical surge damaging someone's computer is, I think, 
 their problem. Electrical surges are a power company issue, not one of yours 
 and I don't think you can be held responsible for it. 
 
 You might consider insuring against the revenue loss that would occur if the 
 space is unusable due to fire or some other catastrophe. Typically, you would 
 insure up to some number of months of revenue loss. 
 
 On Wed, Jul 11, 2012 at 9:58 AM, Andrew Harben rigsby...@gmail.com 
 (mailto:rigsby...@gmail.com) wrote:
  We are just setting up for 40 seats and are thinking about insurance, one 
  of those subjects that can be a chore but is very necessary.
  
  The coworkers will be aware of, and sign their acknowledgment to the fact, 
  that they remain responsible for their own property at all times - easy 
  enough. We are intending to have small lockers to rent, if they are staying 
  or a week or month and don't want to carry their stuff to lunch or home 
  every evening - they are still solely responsible.  
  
  But the site will have machines for printing, servers for data and the 
  like, so we need to cover these items for loss or damage. And we intend to 
  provide 24/7 access to VIP members but there won't be sitestaff here all 
  the time (there'll be an magswipe access door system, camera's etc.). 
  
  And what if their are charging their notebook and there is a major spike in 
  the power supply.
  
  So have you got any tips from your own experiences?
  
  'Speak' soon 
  
  Andrew 
  
  
  
  
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 -- 
 twb
 member, Workantile (http://workantile.com/)
 @twbrandt
 
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Re: [Coworking] Insurance

[Jacob Sayles]

The research I did recently points to this very thing.  You can negotiate a
group rate if you have an organization large enough/influential enough to
have some sway.   An individual coworking space wouldn't cut it.  It brings
up the coworking association idea that was one of the major side topics
from Coworking Europe.

Jacob

---
Office Nomads - Individuality without Isolation
http://www.officenomads.com -  (206) 323-6500


On Wed, Feb 2, 2011 at 3:55 PM, Alex Hillman
dangerouslyawes...@gmail.comwrote:

 Confirmed. Basically, the organizations that CAN do anything offer
 worse-than-average rates.

 In most cities/states, it's not legal for insurance to be pooled this way.

 New York was able to overcome this in the formation of The Freelancer's
 Union, which is actually more of a lobby group than a union in the fact that
 they actually changed legislation in NYC in order to offer a special kind of
 group insurance.

 -Alex

 /ah
 indyhall.org
 coworking in philadelphia



 On Wed, Feb 2, 2011 at 5:42 PM, Jerome Chang jer...@blankspaces.comwrote:

 No can do in California.  Everyone's tried it and it doesn't work legally
 here.  Sucks.


 Jerome
  __
 BLANKSPACES
 work FOR yourself, not BY yourself

 www.blankspaces.com
 5405 Wilshire Blvd (2 blocks west of La Brea)
 Los Angeles, CA 90036
 323.330.9505 (office)

 On Feb 2, 2011, at 2:18 PM, Blair Gordon wrote:

 I was talking to my insurance agent about my insurance and he asked me if
 anyone has ever tried to get insurance for their members.  Some insurance
 companies offer group health insurance rates to churches for their members,
 unions for their members.  He was going to get the details and get back to
 me.
 I just thought it was interesting

 --
 Blair James Gordon

 blairjamesgor...@gmail.com
 Cell-(614) 359-2504
 Office-(614) 859-9103
 Office-(614) 285-SIGN




 Confidential: This email is intended for the person or entity to which it
 is addressed. The information contained in this email may be confidential
 and privileged. Any retransmission, review, dissemination or other use of,
 or taking of any action in reliance upon, this information by persons or
 entities other than the intended recipient is prohibited. If you received
 this email in error, please contact the sender immediately and destroy the
 material and delete it from any computer. Thank you.


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Re: [Coworking] Insurance

[chad]

We offer  group benefits for our members.  Through The Creative Space they
can sign up, even if they are one in the company.  If anyone is
interested, I could post some info on the google group.

Chad

 The research I did recently points to this very thing.  You can negotiate
 a
 group rate if you have an organization large enough/influential enough to
 have some sway.   An individual coworking space wouldn't cut it.  It
 brings
 up the coworking association idea that was one of the major side topics
 from Coworking Europe.

 Jacob

 ---
 Office Nomads - Individuality without Isolation
 http://www.officenomads.com -  (206) 323-6500


 On Wed, Feb 2, 2011 at 3:55 PM, Alex Hillman
 dangerouslyawes...@gmail.comwrote:

 Confirmed. Basically, the organizations that CAN do anything offer
 worse-than-average rates.

 In most cities/states, it's not legal for insurance to be pooled this
 way.

 New York was able to overcome this in the formation of The Freelancer's
 Union, which is actually more of a lobby group than a union in the fact
 that
 they actually changed legislation in NYC in order to offer a special
 kind of
 group insurance.

 -Alex

 /ah
 indyhall.org
 coworking in philadelphia



 On Wed, Feb 2, 2011 at 5:42 PM, Jerome Chang
 jer...@blankspaces.comwrote:

 No can do in California.  Everyone's tried it and it doesn't work
 legally
 here.  Sucks.


 Jerome
  __
 BLANKSPACES
 work FOR yourself, not BY yourself

 www.blankspaces.com
 5405 Wilshire Blvd (2 blocks west of La Brea)
 Los Angeles, CA 90036
 323.330.9505 (office)

 On Feb 2, 2011, at 2:18 PM, Blair Gordon wrote:

 I was talking to my insurance agent about my insurance and he asked me
 if
 anyone has ever tried to get insurance for their members.  Some
 insurance
 companies offer group health insurance rates to churches for their
 members,
 unions for their members.  He was going to get the details and get back
 to
 me.
 I just thought it was interesting

 --
 Blair James Gordon

 blairjamesgor...@gmail.com
 Cell-(614) 359-2504
 Office-(614) 859-9103
 Office-(614) 285-SIGN




 Confidential: This email is intended for the person or entity to which
 it
 is addressed. The information contained in this email may be
 confidential
 and privileged. Any retransmission, review, dissemination or other use
 of,
 or taking of any action in reliance upon, this information by persons
 or
 entities other than the intended recipient is prohibited. If you
 received
 this email in error, please contact the sender immediately and destroy
 the
 material and delete it from any computer. Thank you.


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 Groups
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Re: [Coworking] Insurance

[Blair Gordon]

chad.  I am interested in learning more about this.  Any information
you could post would be great.

On 2/8/11, c...@thecreativespace.ca c...@thecreativespace.ca wrote:
 We offer  group benefits for our members.  Through The Creative Space they
 can sign up, even if they are one in the company.  If anyone is
 interested, I could post some info on the google group.

 Chad

 The research I did recently points to this very thing.  You can negotiate
 a
 group rate if you have an organization large enough/influential enough to
 have some sway.   An individual coworking space wouldn't cut it.  It
 brings
 up the coworking association idea that was one of the major side topics
 from Coworking Europe.

 Jacob

 ---
 Office Nomads - Individuality without Isolation
 http://www.officenomads.com -  (206) 323-6500


 On Wed, Feb 2, 2011 at 3:55 PM, Alex Hillman
 dangerouslyawes...@gmail.comwrote:

 Confirmed. Basically, the organizations that CAN do anything offer
 worse-than-average rates.

 In most cities/states, it's not legal for insurance to be pooled this
 way.

 New York was able to overcome this in the formation of The Freelancer's
 Union, which is actually more of a lobby group than a union in the fact
 that
 they actually changed legislation in NYC in order to offer a special
 kind of
 group insurance.

 -Alex

 /ah
 indyhall.org
 coworking in philadelphia



 On Wed, Feb 2, 2011 at 5:42 PM, Jerome Chang
 jer...@blankspaces.comwrote:

 No can do in California.  Everyone's tried it and it doesn't work
 legally
 here.  Sucks.


 Jerome
  __
 BLANKSPACES
 work FOR yourself, not BY yourself

 www.blankspaces.com
 5405 Wilshire Blvd (2 blocks west of La Brea)
 Los Angeles, CA 90036
 323.330.9505 (office)

 On Feb 2, 2011, at 2:18 PM, Blair Gordon wrote:

 I was talking to my insurance agent about my insurance and he asked me
 if
 anyone has ever tried to get insurance for their members.  Some
 insurance
 companies offer group health insurance rates to churches for their
 members,
 unions for their members.  He was going to get the details and get back
 to
 me.
 I just thought it was interesting

 --
 Blair James Gordon

 blairjamesgor...@gmail.com
 Cell-(614) 359-2504
 Office-(614) 859-9103
 Office-(614) 285-SIGN




 Confidential: This email is intended for the person or entity to which
 it
 is addressed. The information contained in this email may be
 confidential
 and privileged. Any retransmission, review, dissemination or other use
 of,
 or taking of any action in reliance upon, this information by persons
 or
 entities other than the intended recipient is prohibited. If you
 received
 this email in error, please contact the sender immediately and destroy
 the
 material and delete it from any computer. Thank you.


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-- 
Blair James Gordon

blairjamesgor...@gmail.com
Cell-(614) 359-2504
Office-(614) 859-9103
Office-(614) 285-SIGN




Confidential: This email is intended for the person or entity to which it is
addressed. The information contained in this email may be confidential and
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taking of any action in reliance upon, this information by persons or
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this email in error, 

Re: [Coworking] Insurance

[Alex Hillman]

I'm almost 100% certain this is different because of the Canadian healthcare
system. To that point, though, I'm curious what the situation is in other
countries outside of the US.

-Alex

/ah
indyhall.org
coworking in philadelphia


On Tue, Feb 8, 2011 at 7:59 PM, Blair Gordon blairjamesgor...@gmail.comwrote:

 chad.  I am interested in learning more about this.  Any information
 you could post would be great.

 On 2/8/11, c...@thecreativespace.ca c...@thecreativespace.ca wrote:
  We offer  group benefits for our members.  Through The Creative Space
 they
  can sign up, even if they are one in the company.  If anyone is
  interested, I could post some info on the google group.
 
  Chad
 
  The research I did recently points to this very thing.  You can
 negotiate
  a
  group rate if you have an organization large enough/influential enough
 to
  have some sway.   An individual coworking space wouldn't cut it.  It
  brings
  up the coworking association idea that was one of the major side
 topics
  from Coworking Europe.
 
  Jacob
 
  ---
  Office Nomads - Individuality without Isolation
  http://www.officenomads.com -  (206) 323-6500
 
 
  On Wed, Feb 2, 2011 at 3:55 PM, Alex Hillman
  dangerouslyawes...@gmail.comwrote:
 
  Confirmed. Basically, the organizations that CAN do anything offer
  worse-than-average rates.
 
  In most cities/states, it's not legal for insurance to be pooled this
  way.
 
  New York was able to overcome this in the formation of The Freelancer's
  Union, which is actually more of a lobby group than a union in the fact
  that
  they actually changed legislation in NYC in order to offer a special
  kind of
  group insurance.
 
  -Alex
 
  /ah
  indyhall.org
  coworking in philadelphia
 
 
 
  On Wed, Feb 2, 2011 at 5:42 PM, Jerome Chang
  jer...@blankspaces.comwrote:
 
  No can do in California.  Everyone's tried it and it doesn't work
  legally
  here.  Sucks.
 
 
  Jerome
   __
  BLANKSPACES
  work FOR yourself, not BY yourself
 
  www.blankspaces.com
  5405 Wilshire Blvd (2 blocks west of La Brea)
  Los Angeles, CA 90036
  323.330.9505 (office)
 
  On Feb 2, 2011, at 2:18 PM, Blair Gordon wrote:
 
  I was talking to my insurance agent about my insurance and he asked me
  if
  anyone has ever tried to get insurance for their members.  Some
  insurance
  companies offer group health insurance rates to churches for their
  members,
  unions for their members.  He was going to get the details and get
 back
  to
  me.
  I just thought it was interesting
 
  --
  Blair James Gordon
 
  blairjamesgor...@gmail.com
  Cell-(614) 359-2504
  Office-(614) 859-9103
  Office-(614) 285-SIGN
 
 
 
 
  Confidential: This email is intended for the person or entity to which
  it
  is addressed. The information contained in this email may be
  confidential
  and privileged. Any retransmission, review, dissemination or other use
  of,
  or taking of any action in reliance upon, this information by persons
  or
  entities other than the intended recipient is prohibited. If you
  received
  this email in error, please contact the sender immediately and destroy
  the
  material and delete it from any computer. Thank you.
 
 
  --
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  Groups
  Coworking group.
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Re: [Coworking] Insurance

[chad]

Ya, I thought there would be some different rules.  I'll ask our provider
the details and post asap.

Chad


 I'm almost 100% certain this is different because of the Canadian
 healthcare
 system. To that point, though, I'm curious what the situation is in other
 countries outside of the US.

 -Alex

 /ah
 indyhall.org
 coworking in philadelphia


 On Tue, Feb 8, 2011 at 7:59 PM, Blair Gordon
 blairjamesgor...@gmail.comwrote:

 chad.  I am interested in learning more about this.  Any information
 you could post would be great.

 On 2/8/11, c...@thecreativespace.ca c...@thecreativespace.ca wrote:
  We offer  group benefits for our members.  Through The Creative Space
 they
  can sign up, even if they are one in the company.  If anyone is
  interested, I could post some info on the google group.
 
  Chad
 
  The research I did recently points to this very thing.  You can
 negotiate
  a
  group rate if you have an organization large enough/influential
 enough
 to
  have some sway.   An individual coworking space wouldn't cut it.  It
  brings
  up the coworking association idea that was one of the major side
 topics
  from Coworking Europe.
 
  Jacob
 
  ---
  Office Nomads - Individuality without Isolation
  http://www.officenomads.com -  (206) 323-6500
 
 
  On Wed, Feb 2, 2011 at 3:55 PM, Alex Hillman
  dangerouslyawes...@gmail.comwrote:
 
  Confirmed. Basically, the organizations that CAN do anything offer
  worse-than-average rates.
 
  In most cities/states, it's not legal for insurance to be pooled
 this
  way.
 
  New York was able to overcome this in the formation of The
 Freelancer's
  Union, which is actually more of a lobby group than a union in the
 fact
  that
  they actually changed legislation in NYC in order to offer a special
  kind of
  group insurance.
 
  -Alex
 
  /ah
  indyhall.org
  coworking in philadelphia
 
 
 
  On Wed, Feb 2, 2011 at 5:42 PM, Jerome Chang
  jer...@blankspaces.comwrote:
 
  No can do in California.  Everyone's tried it and it doesn't work
  legally
  here.  Sucks.
 
 
  Jerome
   __
  BLANKSPACES
  work FOR yourself, not BY yourself
 
  www.blankspaces.com
  5405 Wilshire Blvd (2 blocks west of La Brea)
  Los Angeles, CA 90036
  323.330.9505 (office)
 
  On Feb 2, 2011, at 2:18 PM, Blair Gordon wrote:
 
  I was talking to my insurance agent about my insurance and he asked
 me
  if
  anyone has ever tried to get insurance for their members.  Some
  insurance
  companies offer group health insurance rates to churches for their
  members,
  unions for their members.  He was going to get the details and get
 back
  to
  me.
  I just thought it was interesting
 
  --
  Blair James Gordon
 
  blairjamesgor...@gmail.com
  Cell-(614) 359-2504
  Office-(614) 859-9103
  Office-(614) 285-SIGN
 
 
 
 
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[Coworking] Insurance

[Blair Gordon]

I was talking to my insurance agent about my insurance and he asked me if
anyone has ever tried to get insurance for their members.  Some insurance
companies offer group health insurance rates to churches for their members,
unions for their members.  He was going to get the details and get back to
me.
I just thought it was interesting

-- 
Blair James Gordon

blairjamesgor...@gmail.com
Cell-(614) 359-2504
Office-(614) 859-9103
Office-(614) 285-SIGN




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Re: [Coworking] Insurance

[Jerome Chang]

No can do in California.  Everyone's tried it and it doesn't work legally here. 
 Sucks.


Jerome
__
BLANKSPACES
work FOR yourself, not BY yourself

www.blankspaces.com
5405 Wilshire Blvd (2 blocks west of La Brea)
Los Angeles, CA 90036
323.330.9505 (office)

On Feb 2, 2011, at 2:18 PM, Blair Gordon wrote:

 I was talking to my insurance agent about my insurance and he asked me if 
 anyone has ever tried to get insurance for their members.  Some insurance 
 companies offer group health insurance rates to churches for their members, 
 unions for their members.  He was going to get the details and get back to me.
 I just thought it was interesting
 
 -- 
 Blair James Gordon
 
 blairjamesgor...@gmail.com
 Cell-(614) 359-2504
 Office-(614) 859-9103
 Office-(614) 285-SIGN
 
 
 
 
 Confidential: This email is intended for the person or entity to which it is 
 addressed. The information contained in this email may be confidential and 
 privileged. Any retransmission, review, dissemination or other use of, or 
 taking of any action in reliance upon, this information by persons or 
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 this email in error, please contact the sender immediately and destroy the 
 material and delete it from any computer. Thank you.
 
 
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Re: [Coworking] Insurance

[Blair Gordon]

i am fearing thats going to be the answer nationally

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Re: [Coworking] Insurance

[Alex Hillman]

Confirmed. Basically, the organizations that CAN do anything offer
worse-than-average rates.

In most cities/states, it's not legal for insurance to be pooled this way.

New York was able to overcome this in the formation of The Freelancer's
Union, which is actually more of a lobby group than a union in the fact that
they actually changed legislation in NYC in order to offer a special kind of
group insurance.

-Alex

/ah
indyhall.org
coworking in philadelphia


On Wed, Feb 2, 2011 at 5:42 PM, Jerome Chang jer...@blankspaces.com wrote:

 No can do in California.  Everyone's tried it and it doesn't work legally
 here.  Sucks.


 Jerome
  __
 BLANKSPACES
 work FOR yourself, not BY yourself

 www.blankspaces.com
 5405 Wilshire Blvd (2 blocks west of La Brea)
 Los Angeles, CA 90036
 323.330.9505 (office)

 On Feb 2, 2011, at 2:18 PM, Blair Gordon wrote:

 I was talking to my insurance agent about my insurance and he asked me if
 anyone has ever tried to get insurance for their members.  Some insurance
 companies offer group health insurance rates to churches for their members,
 unions for their members.  He was going to get the details and get back to
 me.
 I just thought it was interesting

 --
 Blair James Gordon

 blairjamesgor...@gmail.com
 Cell-(614) 359-2504
 Office-(614) 859-9103
 Office-(614) 285-SIGN




 Confidential: This email is intended for the person or entity to which it
 is addressed. The information contained in this email may be confidential
 and privileged. Any retransmission, review, dissemination or other use of,
 or taking of any action in reliance upon, this information by persons or
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 this email in error, please contact the sender immediately and destroy the
 material and delete it from any computer. Thank you.


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Re: [Coworking] Insurance

[Blair Gordon]

hence why he had never done it, just heard about it

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[Coworking] INSURANCE

[Blair Gordon]

I am finalizing all the financials for my new space and I was wondering what
advice this forum can give me for insurance

-- 
Blair James Gordon

blairjamesgor...@gmail.com
Cell-(614) 359-2504
Office-(614) 859-9103
Office-(614) 285-SIGN




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Re: [Coworking] INSURANCE

[Blair Gordon]

perfect thankyou

On Sat, Jan 29, 2011 at 12:33 PM, Jerome Chang jer...@blankspaces.comwrote:

 General liability for an office.  I had no issues.


 Jerome
  __
 BLANKSPACES
 work FOR yourself, not BY yourself

 www.blankspaces.com
 5405 Wilshire Blvd (2 blocks west of La Brea)
 Los Angeles, CA 90036
 323.330.9505 (office)

 On Jan 29, 2011, at 9:08 AM, Blair Gordon wrote:

 I am finalizing all the financials for my new space and I was wondering
 what advice this forum can give me for insurance

 --
 Blair James Gordon

 blairjamesgor...@gmail.com
 Cell-(614) 359-2504
 Office-(614) 859-9103
 Office-(614) 285-SIGN




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Re: [Coworking] INSURANCE

[Blair Gordon]

does anyone know of a insurance company better then the others for this?
On Sat, Jan 29, 2011 at 12:33 PM, Jerome Chang jer...@blankspaces.comwrote:

 General liability for an office.  I had no issues.


 Jerome
  __
 BLANKSPACES
 work FOR yourself, not BY yourself

 www.blankspaces.com
 5405 Wilshire Blvd (2 blocks west of La Brea)
 Los Angeles, CA 90036
 323.330.9505 (office)

 On Jan 29, 2011, at 9:08 AM, Blair Gordon wrote:

 I am finalizing all the financials for my new space and I was wondering
 what advice this forum can give me for insurance

 --
 Blair James Gordon

 blairjamesgor...@gmail.com
 Cell-(614) 359-2504
 Office-(614) 859-9103
 Office-(614) 285-SIGN




 Confidential: This email is intended for the person or entity to which it
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[Coworking] Insurance

[Marieke Hensel]

On Tue, Mar 10, 2009 at 5:52 PM, Geoff DiMasi ge...@punkave.com wrote:
 Actually, each state in the US can vary, as well.

 Not all companies can insure you in each state, etc.

 So... Steven... don't feel so along... the people in California might not be
 able to take advantage of our Pennsylvania advice!

I have good insurance in California, so if anyone needs the info. One
of the insurance agents is actually visiting the Jelly here sometimes,
and another great insurance person is coworking at our place. If
anyone needs the info, I happily send it to you offlist.

They have advised me to print a waiver that everyone that enters has
to sign when they come in that they hold us harmless for any damages
that occurs when they are here.
The deal for them is, that when people need renters or homeowners
insurance (that will cover their laptop and other belongings), we
advise the coworkers to talk to them.

Best,
Marieke
--
Marieke Hensel
mari...@hensel.nl

We take your name to fame
1-877-747-FAME

Find out how to attract your target market online:
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[Coworking] Insurance

[Mike Pihlman]

Do most of you have your places insured (liability, etc)? 

I just spoke with my insurance person and basically was told to forget it. 

If you have insurance, how did you present the concept to them?  And who 
are you using?

Thanks, Mike


-- 
Mike Pihlman
Tel Bit Consulting
209-836-0472
Tracy, CA
telbitconsulting.wordpress.com



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[Coworking] Insurance for facilities?

[Kelly Brown]

I just got off the phone with our insurer and they are having a heck
of a time trying to get an underwriter for us.  It looks like they're
going to get it done -- but I can't believe it'd even be an issue.

We're really just renting office space and then allowing people to
come in and work.
(Some of) The underwriters are saying they need to know what each and
every member's company does as there's risk associated with it --
(like one of us might be testing fire retardant pajamas in the
facility).

Anywhoo -- anyone else run into trouble?
Anyone have any guidance on how they got their places insured to meet
the landlord requirements?
Any leads on coworking friendly insurers?

Kelly Brown
Office Space Coworking
www.officespacecoworking.com
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[Coworking] insurance

[ruyoung]

hi again,

i realise that insurance requirements differ between regions, but i'm
also curious to know what sort of insurance you have for yourselves
and for your tenants/co-workers.

do you state anything in your agreements with them? how do you deal
with unfortunate situations of fire, flood, theft, etc?
r.

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