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FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography 
Thread started 20 Jan 2005 (Thursday) 16:15
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STICKY: Are you insured?

 
DwightMcCann
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Sep 07, 2011 17:57 |  #271

bobbyz wrote in post #13066359 (external link)
Thanks Allen.

One more question so I don't have to start a new thread. How much you guys pay for putting some one else on your policy. Say you shooting on some beach/state park and you need to put the city on your liability policy.

My insurance company will provide me with a policy rider of some sort if I need to cover myself for liability with another company ... you should just ask about how to do it.


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ShaneCphoto
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Sep 09, 2011 18:53 |  #272

Hey I'm leaving for South East Asia next monday and was wondering what would be the best company to go with for photo insurance that covers damages, theft, etc.? It would only have to be up to $10,000 or so and it's not a business, yet. After the trip though!


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bobbyz
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Sep 09, 2011 21:13 |  #273

Talk to State Farm Agent.


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Swins
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Sep 19, 2011 20:25 |  #274

I do and most of the places I shoot and companies I shoot for will not allow me to shoot without it.




  
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BaghdadFred
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Oct 05, 2011 06:15 |  #275

I'm fully covered by USAA. It's a really good outfit for veterans and their families. My only concern that their is a clause that my equipment is not covered for "Terrorists acts and Acts of War".

I Work in a War Zone, so if my stuff gets blown up by a Mortar or IED...I guess I am sh*t outa luck :)

It will cover me if i drop something or have something stolen which really could happen. I've had several close calls.


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cabinajm
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Oct 19, 2011 10:17 |  #276

Funny, I just got off the phone reevaluating my home owners policy with Travelers and they told me the underwriter won't cover my photo equipment since it's used for business and it wouldn't cover off-site uses. I'm looking at PPA and they're coverage. It looks pretty reasonable. I got a quote from Hicox a week or two ago and they quoted me something like $800/year for just liability and loss, I believe. PPA was like $500 for liability, loss and indemnification trust. I kinda like that better. Anyone else's thoughts on PPA? Thanks!


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cabinajm
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Dec 21, 2011 12:55 |  #277

Update: I ended up going with Hill and Usher. A little more than $500 a year and it covers everything!! And it's an individual policy, not a blanket policy like PPA... Check them out if you get a chance...http://hillusher.com/ (external link)


-Chris
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jsvphoto
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Dec 21, 2011 22:52 |  #278

I use Hill & Usher as well. Thankfully haven't had to submit a claim, but the coverage seems good on paper...


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bobbyz
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Dec 21, 2011 23:13 |  #279

Hill and Usher here also.


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cabinajm
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Jan 21, 2012 10:55 |  #280

I chose hill and usher after some research and a recommendation from a friend and welll known commercial photographer


-Chris
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Silverstar Media : Photography - Web Design - Technology Support (external link)

  
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markd61
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Jan 22, 2012 13:24 |  #281

I am insured with specific coverage on my equipment off site and large liability limits. I also carry large limits on auto. I have a number of clients that require such coverage in addition to security background checks.
The cost becomes irrelevant to the benefit it has had for me in getting clients that seek a "real" professional. These are the clients who pay real money for their photography. For many, it is the first measure of qualification. No commercial coverage and you are off the list irrespective of your ability. Once you pass that requirement you are then evaluated on your portfolio and other attributes.
"Clients" who don't ask about these unglamorous aspects of your business are also the same ones who are astonished that you will not produce "just a few photos of our (name item/person) for our marketing program" for $200.




  
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trcapro
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Jan 31, 2012 20:21 |  #282

I am not insured per se but I make sure to have clients sign off on pertinent legal documents releasing me from liability. While the documents vary depending upon the specific services provided, I make sure to cover my butt all the same.


I am one of many photographers in Pittsburgh PA (external link) who loves to explore my craft and learn from others while doing so. my biggest passion is shooting goth pics (external link) and material of a darker nature.

  
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cabinajm
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Feb 01, 2012 07:32 |  #283

trcapro wrote in post #13803544 (external link)
I am not insured per se but I make sure to have clients sign off on pertinent legal documents releasing me from liability. While the documents vary depending upon the specific services provided, I make sure to cover my butt all the same.

It's a good idea to be insured, even if it's just to cover your equipment. But, what if you are on site shooting something and due to the work you're doing, a third party is injured that is not associated with your client, due to your equipment or something else? You would probably be liable. Not only does the insurance cover injury, but also protects you by way of indemnification should something occur and you can't provide a stated product to your client. Just food for thought.


-Chris
A couple Canons, a flash, a bunch of lenses and LIGHTS!
Silverstar Media : Photography - Web Design - Technology Support (external link)

  
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Random ­ photographer
Hatchling
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Feb 23, 2012 17:02 as a reply to  @ cabinajm's post |  #284

Are there any Canadian photographers here (specifically Toronto, or nearby)? I'm currently getting quotes to insure myself for wedding photography, and they seem very high compared to what i've read for other locations.

I'm basically looking for 1 million liability and $15 000 coverage of equipment, and i'm being quoted $1100 a year. I know car insurance is very high in this city, but does anyone else have any experience with business insurance?




  
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London ­ Headshots
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Feb 27, 2012 13:59 |  #285

Fully insured here


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Are you insured?
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