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FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography 
Thread started 26 Jun 2010 (Saturday) 02:16
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Have You Insured Your Equipment?

 
StellaBean
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Jun 28, 2010 19:51 as a reply to  @ post 10441625 |  #16

I really need to do this. I'm glad to see some State Farm examples. that's who we have. I guess I'll call them in the AM.


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Karl ­ Johnston
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Jun 28, 2010 20:12 |  #17
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i_am_cdn wrote in post #10440963 (external link)
In Canada the absolute best value for a small photo business (or any small business for that matter) is the Entrepreneur Plus insurance from Peace Hills.

http://www.peacehillsi​nsurance.com …ur%20Plus%20Bro​chure.sflb (external link)

basically it is $25k - $100k in equipment coverage, $2M liability, $50k in business loss. If you have home insurance with Peace Hills this rider is dirt cheap. I think I pay about $135 a year for the policy.

Have you ever had to file a claim? that policy almost looks too good to be true, considering 2 m and 10k equipment the last time I checked I got quoted $1200~


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sue.t
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Jun 29, 2010 10:11 |  #18

mtimber wrote in post #10440478 (external link)
Covered on business insurance...

Including travel.

A lot of insurance will not cover travel use I believe as we had to stipulate that, so be careful (in UK).

The insurance I purchased and noted above does include travel. I made sure of that as my equipment will be in the truck & trailer during a nine-week trip to Alaska. Also wanted to be sure it was covered if I drop it while in the kayak! Even asked about coverage in case a bear decides to try his skill at photography!

The home policy covers the laptop while it is in the truck, along with the GPS and other little electronics we like to travel with.


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AxxisPhoto
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Jun 29, 2010 10:15 |  #19

All my equipment is insured under my State Farm Business insurance.


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GregSteer
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Jun 30, 2010 20:35 |  #20

sue.t wrote in post #10447136 (external link)
The insurance I purchased and noted above does include travel. I made sure of that as my equipment will be in the truck & trailer during a nine-week trip to Alaska. Also wanted to be sure it was covered if I drop it while in the kayak! Even asked about coverage in case a bear decides to try his skill at photography!

The home policy covers the laptop while it is in the truck, along with the GPS and other little electronics we like to travel with.

Hi Sue,

Wondering if you could let me know who you got your insurance through?

I'm in Vancouver and about to insure our house contents, which includes all my IT/camera gear even while off-site, for $340 but if I want an agreed value on the camera gear (~$6k) the it's an additional $140 so tempted to look at a specific policy instead.


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mwalsh9152
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Jun 30, 2010 21:59 |  #21

I have a bit of a tricky situation. My fiancee is my agent, and to have her write the floater on my policy might cause some problems when she sees the amount. Talked to her dad tonight while she was out of earshot, just need to bring everything in while shes not there




  
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Csae
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Jun 30, 2010 23:41 |  #22

^ having your fiancee write a legal inssurance document for you would be more problems then its worth in my opinion.

I'd want an external agent.


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Downs ­ Photography
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Jul 01, 2010 12:18 |  #23

When I called them they told me 40 dollars a month for my 5d mark II. Am I doing something wrong? I ask about the Personal Article policy.


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monk3y
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Jul 02, 2010 04:45 |  #24

I really envy you guys... I am even scared to bring my camera on an outrigger boat sometimes because it might sink together with my $4,000.00 worth of gears haha


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sue.t
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Jul 04, 2010 19:47 |  #25

GregSteer wrote in post #10456629 (external link)
Hi Sue,

Wondering if you could let me know who you got your insurance through?

I'm in Vancouver and about to insure our house contents, which includes all my IT/camera gear even while off-site, for $340 but if I want an agreed value on the camera gear (~$6k) the it's an additional $140 so tempted to look at a specific policy instead.

We're long-time BCAA members, and have vehicles and house insured through BCAA Insurance Corp. They give a discount when house & vehicle insurance are purchased through them, looks like 20% for our home policy.

Actually, now that I look at the details, the cost of the policy for the camera gear was $102.62 for $5,864 worth of stuff that I bought on sale, but it is full replacment value which would be about $8,000 not-on-sale, and this is with no deductible. The policy lists the camera gear in detail with the serial numbers.

As I mentioned the laptop and other electronics are covered up to $3,000.

Oh jeez, this is depressing ... just noticed that I also have an "age related" discount ... sigh ... because I'm over 50.


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Organic ­ Treats
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Jul 04, 2010 21:25 |  #26

Home owners covers all of mine.


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fstopped
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Jul 05, 2010 00:14 |  #27

As non pro is should be part of the contents of your home once you get your stuff there, no? Just verify w/ your agent.




  
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Tim ­ Kostka
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Jul 05, 2010 00:35 as a reply to  @ fstopped's post |  #28

Insured with USAA, no deductible, full replacement cost. Covered from loss and water damage as well.

cost is about $70/year for about $5k in equipment


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themadman
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Jul 05, 2010 00:59 |  #29

I have my gear insured with state farm via personal article insurance. I think it is around $14,000 coverage for about $200 a year, No deductible.


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sue.t
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Jul 05, 2010 08:34 |  #30

fstopped wrote in post #10478391 (external link)
As non pro is should be part of the contents of your home once you get your stuff there, no? Just verify w/ your agent.

With a limit, yes. On my home policy, camera & computer equipment share a $3,000 limit. Which is not enough to cover all the stuff in my camera bag.


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