underdog said:
No small benefit is the insurance that an AAW member enjoys...
I still don't understand what Bill was saying about flat VS round boards though...
Hi Jim
The insurance for turners is a great benefit, and all by itself is worth more than the price of membership. Now just so I am clear, there are two types of insurance available to members. The first is sort of a blanket thing that says if you are a member of the AAW and you are demonstrating at an AAW event, you are covered for certain situations that could arise. I am not familiar with all the specifics off the top of my head, but it is worthwhile for most people.
The second is a fairly recent insurance opportunity for turners to purchase liability, fire, theft, etc insurance. There are many woodworkers and woodturners out in the world who have no insurance at all on their shop or their activities - working without a net as the saying goes. This is the insurance to which I was referring when I said that they made a difference between round and flat boards. I don't just turn, I build furniture, and I pay a very hefty premuim to an insurance company for the privilege. So I got all excited about the possibility of being able to buy that insurance through the AAW and possibly reduce my premiums. Not a chance. As soon as I mentioned that I also built furniture, the lady at the insurance company told me that they could not offer me a policy. When I asked why, she said that woodworking shops were different than turner's shops because of - get this - sawdust, finishes, and the possibility of fire!
😱 😱 😱 This type of reasoning is beyond me, but I am not an actuary. Oh yeah, someone could get hurt using a piece of my furniture, while I guess there is not much chance of someone getting hurt with a turning. Right.
So, I have to keep my own insurance, and that affects the other insurance I mentioned for demonstrating. There is a section in my policy that says I am covered for working off site - i.e. out of my shop at some other location. Demonstrating fits that description. I am covered for theft, liability if someone gets hurt, and damage of various sorts. And if I need it, then there is the filling out of papers, and that one line that says, "is there any other insurance policy in effect that would cover this?" Translated, each company will then start off by telling me that it is the other company's responsibility to pay for whatever needs paid. So two policies could actually be a liability (so to speak).
Again, for most people, this makes a lot of sense and is a good value. For me, it isn't, and for very specific reasons. As I wrote in my other thread, this isn't a gripe, just an observation of what I am or am not getting. If I am going to gripe about something, I have no problems saying so.
😉
Bill