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philodelphi
5th of October 2009 (Mon), 12:43
I occasionally shoot weddings, but photography is not my day job. I currently have no liability insurance. I have a wedding coming up next year that requires a million dollars of it.

Any suggestions on where I should get it? Also, is there such a thing as per incident coverage vs. per year? If so, is that worth it?

Thanks for any advice you can give.
airfrogusmc
5th of October 2009 (Mon), 12:46
I recently changed my business insurance which includes all of my equipment ON LOCATION and in the office plus all the computer equipment etc, one million liability from Hartford to State Farm. Talk to a State Farm agent or to Hartford.
Sledhed
5th of October 2009 (Mon), 14:33
Like Allen I have liability insurance on the same plan as my gear. I pay around $600 per year for my gear and one million in liability coverage. I assume it's the reception hall that is requiring it? If so good for them! If your shooting weddings professionally it's something you should have anyways.
hover
5th of October 2009 (Mon), 21:29
I think mine is like $641 a year for all my gear, cameras, computers, lenses, et cetera, as well as 1 million in liability. IIRC, it was a link off of PPA.
cory1848
5th of October 2009 (Mon), 21:44
Hill and Usher....$340 annually for 1 mil gen liability and $35k in Errors and Omissions coverage.
Pyromaniac
6th of October 2009 (Tue), 09:30
Hill and Usher....$340 annually for 1 mil gen liability and $35k in Errors and Omissions coverage.

Does the $340 cover your gear to, or is that just for the liability and E&O, with a seperate policy to cover the gear?
cory1848
6th of October 2009 (Tue), 12:35
Does the $340 cover your gear to, or is that just for the liability and E&O, with a seperate policy to cover the gear?

No gear coverage for that.... Gear coverage usually runs about $2 per $100 coverage. Check out Marsh insurance for that.
phr0ze
6th of October 2009 (Tue), 14:05
I recently changed my business insurance which includes all of my equipment ON LOCATION and in the office plus all the computer equipment etc, one million liability from Hartford to State Farm. Talk to a State Farm agent or to Hartford.

I've seen lots of posts saying state farm refused to pay the insurance because they only cover studio type situations not on-location.