If I were a customer this would definitely be something I would ask the builder. I would want a guarantee that I would receive my instrument or my money if something were to happen.
I never ask for more than a $500 deposit until the instrument is ready to be shipped. At that time the full-amount is due. I have had some customers pay as the build progresses -- but I never put myself in situation where that money could not be refunded immediately. Anything less than that is irresponsible and unethical -- two things that I am not!!!
My finances are well-kept (I've got spreadsheets detailing all payments received). No one would ever be out any money if something were to happen to me (tragedy or death) and my family is well-aware of who would need to be reimbursed. Even if I had guitars nearing completion - customers would still be refunded. What other way is there to do business!!!
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