Florida Professionals: Insurance

[amonline]

Just got a quote from Hill & Usher... quite higher than I expected due to "coastal" location. So I was wondering what Florida Professionals are using and what kind of prices they are paying. Please don't chime in with State Farm - it's not a possibility for me due to my home owner's.

My stats were $1730 for $1m liability (no error/omission), (up to) $50k gear (yes, I have 48k total with rental, computer & software) & $250 deductable. I think this is primarily because I'm in a frame home 10 miles from the beach. (?)

Alternately, I can choose the dual international policy route: $1327 for Int Equip Coverage, Liability & E/O and up to $50k gear with $1k deductable.

[Redfish]

Take a look at the SEP (Society of Event Photographers) THey have a program through Marsh (in Atlanta). rates are a flat rate based on the value of equipment. Something like $2.75/$1000 value for first $10K and $1.75/$1000 after that. I live 1/2 mile from the gulf and they covered me. Deductible is $100 per event not piece. I tried the Hill and Usher route and they would not cover me due to location

Steve

[amonline]

I joined PPA last night - which is Marsh, so I'll be checking into them. (coincedently) Thanks for the response.

[Mike30D]

You might try these guys: http://www.tcpinsurance.com/index.html

They will give you a quote right online.

[copr33]

Tcp will not cover anyone in Florida with the exception of two small counties in Northern Florida. I live in south Florida and they will not cover me.

[amonline]

I went with PPA/Marsh. I feel confident with the decision so far. Ended up paying around $327 for $2M liability and $595 for $27k in equipment. In comparison to Hill's $1780, it was quite a savings. Hill upcharges for living on the "coast". :rolleyes: Marsh (as a group) does not. Both policies are identical from what I can tell. Checking with a few other places, I found PPA to be the best deal overall. So, if you're in Florida, consider the PPA organisation.