My wife and I were talking last night on weather I should add my tools to our renters policy or not. She stated that I might be past the point of just a straight hobbiest. Even though I am not really making any money at this point. What ever money I get that goes above and beyond the cost of the materials to make that knife then go back into, either, buying more materials or tools. Do you guys think that it would be wise to start up a business insurance policy? If so would I first have to have a business liscense?

Next question... With the delivery of one of my knives I give them a certificate that explains about the knife. What it's made of...(Metal composition, handle materials and where they come from) etc... Also included on the sheet it a statement about my warranty and also a disclaimer about using natural materials in a handle.(advise that I got from here!) Would it be wise to also have an ingury disclaimer on there? Or, do you think it's not really applicable since people are buying, what could be, a weapon?

Chris Nilluka

It's pretty silly telling grownups to be careful with sharp knives because they could hurt themselves but some of them have to be told.

Yeah I know... it's kind of like pointing out the obvious, but all it takes is one idiot to ruin everything! "I'm gonna sue McDonald's cause there hot coffee is hot!" Sound familier?

Chris Nilluka

On the theory that it's better to be safe than sorry, all of my knives come with a warrantee that contains the following disclaimer:

"My knives are made for normal cutting applications only, not for prying, lifting, scraping, or as spears, clubs, can-openers, screwdrivers, wrenches or hammers. Intentional abuse, “testing to destruction” and other improper operations, even if the user is unaware of them, are not covered under this warrantee.

Remember that a good knife is a good tool, and also a good weapon. Respect its function, and be aware that its function can be dangerous to others. I cannot be held liable for damage or personal injury to any person or property as a result of the misuse of this knife, accidental or otherwise."

Chris, do a lot of research into this before you file for a business license OR insurance. It can get really hairy. Zoning, liability, taxes, etc are all considerations.

Disclaimers are only as good as the lawyers who contest them and the whim of the judge.

Bump what George said but sadly it's true. A simple disclaimer goes a long way in court. Most folks are used to seeing them and another paragraph on your certificate simply wouldn't be noticed by most customers.