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Taxidermy insurance

Discussion in 'The Taxidermy Industry' started by davehyer, Dec 14, 2015.

  1. davehyer

    davehyer Active Member

    I'm trying to get different ins for my taxidermy business.

    My agent asked me how to put a value on a customers mount for replacement cost. Do you guys know how this is done?
  2. rigbobby

    rigbobby Active Member

    I have a contract with my customers wherein we both agree that the specimen is biodegradable, and has no value other than the value of the work performed by the taxidermist, and that taxidermy is an art not a science. Further, the taxidermist is not liable for the results obtained or any damage that could occur to the specimen, including the total loss or destruction of the specimen. The customer also agrees to defend, hold harmless and indemnify the taxidermist against any claim or cause of action that my arise under the performance of the agreement.

    As far as insurance for the taxidermy business goes, it is limited to liability for accidental injury.

  3. davehyer

    davehyer Active Member

    Interesting, I appreciate your reply.
  4. Jerry Huffaker

    Jerry Huffaker Well-Known Member

    Don't know who wrote that but I would be very careful. A jury can find you liable in a heartbeat if they decide they want to whether the customer signed that agreement or not. You're trying to get out of having to pay insurance, it might work but I wouldn't trust it. You can still get a judgment against you whether he signed or not. You are taking a HUGE risk having only liability insurance in any service business where you have possession of the customers property.
  5. 3bears

    3bears Well-Known Member

    Sorry Dave I can't help with an answer but I do have more to ask in regards to your question. How can you put a monetary value on an item that cannot be bought or sold such as waterfowl or in some states, even capes and antlers? They have no value because they cannot be bought or sold.
  6. rbear

    rbear Well-Known Member

    It looks like SCI has an insurance and it lists that replacment cost of just about everything. Just click on the price list.
  7. Harry Whitehead

    Harry Whitehead I love to hunt Buffalos!!!!!

    You definitely need insurance for property that is not yours but in your possession. Anybody that says differently is trying to get out of purchasing insurance. I don't get what "biodegradable" has to do with it. If you have a fire or a storm or theft you damn well better be insured!
  8. x2
  9. Duckslayr

    Duckslayr Active Member

    Back to Dave's question , he knows he needs insurance, he's trying to find out how to establish valuation for his customers trophies. Anyone have any experience with this?

    Sent from my iPhone using Tapatalk
  10. Keith

    Keith Well-Known Member

    I always have understood it as replacement cost only. i.e. Skin, horns, materials and labor cost. When insurance companies have us write up a loss estimate, let's say for a total loss from a fire, that is what we give them.

    The cost of safari, not matter how expensive it was to go on, has no bearing on the value of the mount. For example, if the photographer screws up your wedding photos, they are not obligated to compensate you the cost of a new wedding.
  11. woakley144

    woakley144 Active Member

    Good responses guys..... now I have a really good question.... WHERE DO YOU GET INSURANCE for your business???? My insurance agent says they can't underwrite a taxidermy business, and they don't have any ideas of which company to ask..... I can't even get property insurance on my building & tools because of the taxidermy business...

    I have been trying to find a carrier for about 2 years and no one will write me a policy.
  12. joeym

    joeym Old Murphey

    The Hartford will insure your taxidermy business. My premium is $1050 annually.
  13. Jerry Huffaker

    Jerry Huffaker Well-Known Member


  14. Hartford
  15. davehyer

    davehyer Active Member

    State Farm will insure a taxidermy business unless you do animals from outside the U.S.

    I have an insurance guy coming tomorrow that reps Hartford and some other companies as well, I'll let you know what I end up with.
  16. 3bears

    3bears Well-Known Member

  17. davehyer

    davehyer Active Member

    They said they would until I told them I did animals from outside the country. I got back one quote today from Erie Ins, $1042 a year to cover me for 500k liability, 30k for my building and 150k of other peoples property. $1000 deductible.

    I have another guy working on it so we will see what he says.
  18. Dave I promise you with state farm you'll go through the motions and may think you're covered for 6 months or even more. But I had State farm for my home and business for probably 10 yrs. When the agent called to up my liability coverage (by state recommendations) I asked if that included the business also. She didn't have a clue what I was talking about. Now when I signed up I spent more than an hour itemizing shop tools and supplies making guess-timates on customers stuff and coverage amounts. I had a declarations page to prove that's what my payments were for. Long story short, thank God I never had to file a claim because I don't know that they would've paid it. After that phone call they sent me a cancelation letter. I had 30 days to get coverage with someone else because they couldn't cover a taxidermy business because of the "volatile" chemicals that are used. That is what I was told. And Erie Ins. I wouldn't give the time of day. I now have business coverage through Everett Cash Mutual here in PA.
  19. woakley144

    woakley144 Active Member

    Dave I agree with Michelle on State Farm.... They wouldn't even give me a price because of the "volatile Chemicals" I haven't gotten a quote from Hartford yet but they come highly recommended by alot of other taxidermists on the page. I tried Farmers and they wouldn't write it either. but my agent found one that would cover ONLY the shop and equipment but not my customers mounts.
  20. davehyer

    davehyer Active Member

    Thanks for the info, my Hartford guy never called me today like he was supposed to. What a pain in the -_ ss