Spelling Errors: “I Misspelled ‘Strength’: Liability for Laser Removal Costs.”
My stencil said “STRENGTH.” I swear it did. But somewhere between the wipe and the liner, I auto-piloted. The client […]
Infection: “Client Got Staph Infection: Proving It Was Aftercare, Not Your Needle.”
I got the DM three days after the session: a photo of a bubbling, angry red forearm and the text,
Next Insurance vs. Thimble: “Best Tool Floater Add-ons 2026.”
I needed insurance fast for a new job. I downloaded both Next Insurance and Thimble apps. Both promised “Instant Certificates.”
Discontinued Tools: “My Antique Planer Was Stolen: Valuing Rare Tools.”
My shop was burgled. They took a Lie-Nielsen hand plane and a vintage Stanley Bedrock planer from the 1920s. I
Laser Levels: “Delicate Electronics: Calibration Loss Coverage.”
I dropped my $2,500 Hilti rotary laser. The glass didn’t break, but now it shoots 2 inches low at 100
Cordless Batteries: “Lithium Batteries Died in a Fire: Hazardous Material Exclusion.”
My job trailer caught fire. Inside were 40 lithium-ion batteries and chargers. The fire department put it out, but the
Apprentices: “Insuring My Apprentice’s Tools.”
My helper, a young apprentice, leaves his tools in my truck because he drives a sedan. The truck was broken
Storage Unit: “Tools in Public Storage: Limit of Coverage.”
My business grew, so I rented a 10×10 unit at Public Storage to hold extra inventory and seasonal tools. I
Vehicle Rollover: “Rolled the Truck: Tools Flew Out and Broke.”
I hit black ice and rolled my Silverado into a ditch. I was okay, and my Commercial Auto policy covered
Proof of Ownership: “Receipts vs. Photos: Documenting Your Tool Inventory.”
My shop burned down. I claimed $40,000 in tools. The adjuster asked for the inventory. “It was on the computer