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  Valerie Bjarnson February 22, 2013 at 4:46pm

  David, actually if theft occurs at night, it is considered a mysterious disappearance and not a loss that occured while unattended.  Theft has to be proven, for example, a car that is broken into.  Mysterious disappearance or an unexplained loss is specifically excluded in the policy.
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  david addario February 22, 2013 at 4:39pm

  Thank You Valerie.

  That makes a big difference since a lot of time the storms happen while were sleeping and even if were attending or not attending our booth what can we really do anyway if a storm hits other than try and hold down the tent. In regards to theft, does your policy consider that even if theft occures at night the show has security on hand? Is that still considered "unattended"?
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  Valerie Bjarnson February 22, 2013 at 2:03pm

  I have looked into David's question regarding an overnight storm and damage to business personal property.  What I found is that the unattended statement refers to theft.  If there is a sudden storm that occurs while your property is unattended, the policy would respond as long as it is not uncovered.  I hope that clears that statement up.  Feel free to comment if you need further clarification.
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  Connie Mettler February 22, 2013 at 9:33am

  You're welcome. My grandfather and father owned an insurance agency and I worked for them briefly so I know a little about underwriting and adjusters, liability, property damage, etc., and especially the need to be protected. Just like people getting wiped out who don't have medical insurance, artists, especially the ones that participate in outdoor events, are at risk and need to know their options.
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  Elle Heiligenstein February 21, 2013 at 6:40pm

  Hi Connie, I listened to the podcast last night while working in the workshop and I found it very interesting and informative. Thank you for doing it!!
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  Greg Little February 21, 2013 at 6:35pm

  The way I understand Valeries statement is that you are only covered when you are in the tent.

  If your tent is unattended you are obviously not there and have no coverage for your property from either theft or damage. I am still not clear about the theft coverage if you are in attendance.

  Is there theft coverage is something is stolen while you are there?
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  david addario February 21, 2013 at 5:16pm

  Based on the above statement by Valerie, just to be clear, If a bad storm happens overnight while we are not attending our booth and our art/tents get damaged, we are not covered? Do we have to be attending our booth when either theft or wind damage occurs? Thanks.
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  Valerie Bjarnson February 21, 2013 at 12:12pm

  When I used the term "unattended", I was referring to your business personal property coverage in the event of bad weather.  I mentioned that as long as your items are not uncovered or unattended, they would be covered should sudden bad weather occur.  The situation that Paula Shoulders is inquiring about is something different.  If there is theft when your items are unattended, that would fall under mysterious disappearance or unexplained loss.  Those circumatances are not covered under the terms of the policy.  I just want to assure everyone that is is definately not an insurance scam.  The carrier for this policy is Great American Insurance Company, and they are an A rated carrier at www.ambest.com.  They have been in business since 1872, so they are VERY financially stable.  Great American Insurance Company is recognized all throughout the insurance business. 
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  Connie Mettler February 20, 2013 at 2:34pm

  I have contacted the company about this and Valerie's answer is forthcoming, Greg and Paula. 
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  Greg Little February 20, 2013 at 10:46am

  I would also be interested in knowing about the "unattended" clause in the policy. This sure seems like a huge loophole in an area where coverage could be very important. I went to their website and could not find an answer to this question in print.