Many AAW members who sell some of their work but are not fulltime professional turners, often believe that their homeowner’s insurance policy will cover losses due to fires, theft, and other events.  In most states, insurance companies say that “any” business is excluded and not covered under the homeowner’s policy.  We are aware of craft persons that have had their shops destroyed and then found that their homeowner’s policy would not pay because the insurance company found that they had sold some things.  We recommend that you discuss this with your homeowner’s insurance agent to see if you are protected or not.

AAW is pleased to announce a new member benefit to all members (and chapters).  We have secured a group insurance policy for a very nominal rate that will insure your Business Personal Property for your contents such as tools, equipment, materials, and inventory. It also includes personal property of others.   The yearly premium for this coverage is $250 per $20,000 of equipment, etc. coverage.  If you do craft shows or the like, you can get a “Location Floater” for an additional $50 per $20,000 coverage to cover your inventory and other property while away from you primary location.

The insurance is offered through our agent, Michael George of AMJ Insurance, Inc., who also offers Business Owners Policy to members of the AAW.  The insurance policy is underwritten by a US rated A+ company.  To apply, download the attached “AAW Individual Member Property Insurance Application” then complete and submit it.

If you require insurance for your buildings as well or if you require business liability coverage, we have a very good policy that many of our full time professionals have had for several years that is very affordable.

If you are an officer or director of your AAW chapter, as an additional benefit, we have also arranged for your chapter to be able to purchase affordable group insurance to protect the chapter officers, directors and their spouses from liability claims.  Applications for that insurance will be sent to your “Chapter Contact” listed on the AAW web site.

Click here to download the individual property insurance application.  Please mail all submissions to the address listed on the document.