by txjoseph » Mon Jan 03, 2011 10:01 pm
Hi and thanks in advance to anyone who can answer this for me.
I am a musician. A couple weeks ago I came home from a gig, pulled into my yard which is fenced and gated, and neglected to take my brand new $3000 Les Paul guitar out of the open bed of my pickup truck.
The next morning it was gone.
I play music on the weekends, but have a full time day job. I make a little money from playing but not much.
Will HO Ins cover this loss, or will they see it as a business item since I do sometimes make money from it?
I bought it brand new and have the recepit, but used my bands tax ID number for the purchase to avoid paying sales tax.
Thanks!
I am a musician. A couple weeks ago I came home from a gig, pulled into my yard which is fenced and gated, and neglected to take my brand new $3000 Les Paul guitar out of the open bed of my pickup truck.
The next morning it was gone.
I play music on the weekends, but have a full time day job. I make a little money from playing but not much.
Will HO Ins cover this loss, or will they see it as a business item since I do sometimes make money from it?
I bought it brand new and have the recepit, but used my bands tax ID number for the purchase to avoid paying sales tax.
Thanks!
Posted: Thu Jan 06, 2011 09:26 pm Post Subject:
Call your agent
Posted: Fri Jan 07, 2011 01:46 am Post Subject:
I see no reason why it should not be covered under a HO policy. There might be a limit on such an occurrence. You could simply not mention what the guitar is used for. I see no harm in that. I could see the argument that it's not really a "business" if you simply play every once in awhile for few bucks.
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