DIY Packraft is a home-based business, and unfortunately my insurance policy explicitly states that I cannot allow customers to visit my property. Normally this kind of thing wouldn’t stop me (what could possibly go wrong, right?), but I had a heck of a time getting house insurance – there’s only one insurer in the country willing to take the risk, and being the only option, they can charge whatever they want, so my insurance rate is about nine times the normal premium (which isn’t cheap to begin with).
DIY Packraft is not a big moneymaker, and with that extremely high insurance rate, I can’t afford to tempt fate. I already had a delivery driver fall off the back of his truck in my driveway – it turned out he was fine, but watching it happen nearly gave me a heart attack.
Even if you personally would never sue someone if you hurt yourself on their property (what kind of a jackass would, really?), that’s not the issue – what happens when you get hurt and have to go to the hospital or take time off work is your own insurance company covers your costs and then they turn around and try to recover that money by suing everyone they can think of until someone else is stuck with the bill.
Like it or not, this is the world we live in, so as much as I might enjoy having you over to talk packrafts, the answer is no.
I have tried meeting up with people elsewhere to hand over their purchases, but I live outside of town, so that ends up taking more than an hour out of my day and it doesn’t really make good business sense.
Also, I have to charge 12% in taxes for sales within BC, so if your mailing address is outside of the province, you may actually save money by paying for shipping.
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