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FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography 
Thread started 13 Aug 2013 (Tuesday) 15:21
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Camera Insurance

 
M_Six
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Aug 17, 2013 23:48 |  #16

I'm about to move from a homeowners rider to a separate State Farm policy just because the homeowners rider means every time I sell or buy equipment they send me a newly revised policy, which is a pain. Supposedly State Farm will just adjust on the fly and not send out a new policy to be reviewed and signed.


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PLLphotography
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Aug 18, 2013 08:23 |  #17

When I make changes to my state farm personal articles policy, I do it all through email, and don't really worry about paperwork until my premium is due.


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digirebelva
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Aug 18, 2013 11:13 as a reply to  @ PLLphotography's post |  #18

The issue with a rider, is if you make money with your equipment, then if the equipment is damaged the insurance co. can refuse to pay...v's if it is strictly a hobby...check your insurance rep to make certain your covered if you use your equipment to make money on a rider.


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Luxornv
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Aug 25, 2013 22:50 |  #19

digirebelva wrote in post #16213512 (external link)
My insurance agent quoted me $350/yr for my equipment worth up to $12,000, that includes a 1 million dollar liability coverage..you know in case someone trips over my equipment..;)

I've beaned a few people in the head with my lenses. That was only with my 75-300mm f/4-5.6. I might need liability on my stuff :P

Are there any options for getting just separate camera insurance? I'm currently in a position where I don't need homeowner's or renter's insurance. Since I tend to travel with my gear, I'm also concerned about if it would get damaged or stolen while I'm traveling. I try to let it never leave my sight when I do have it with me, but that can't always happen.


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FA_Productions
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Aug 26, 2013 07:20 |  #20

Personal article floater under my homeowners insurance covers every body and lens that I own.


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Kronie
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Aug 26, 2013 07:39 |  #21

If you dont make money off of your photography then your options are to add a floater policy to your home owners, or get a separate policy called inland marine. The issue with adding it to your homeowners is that if you have to file a claim, then the whole policy can go up. If you get a separate policy then if something happens its separate.

The two common types of insurance are a cash value and replacement value. Get the cash value because you can insure it for the purchase price and when you need to use it you get the entire amount back, even five years down the road. Buy a 70-200 for $2,500 and drop in it the water five years later and your insurance company gives you $2,500

The replacement value insurance only gives you back a portion of its original value as they depreciate the value over time. So you might insure a 70-200 for its original cost=2,500 but in five years the insurance company tells you its only worth $1,700.

For business insurance its the same thing. They offer the two types but its almost impossible to find the cash value for photographers. When I switched from personal to business a few years back I looked and looked and found the best deal for cash value insurance here:

https://einsurance.wil​lis.com/‎ (external link)

I think to take advantage of the policy you need to join photo.net for $25. The total comes out to $350 with 1Mil in liability and 15K worth of gear. My local agent couldn't even offer cash value and it was $450.




  
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1000WordsPhotography
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Aug 26, 2013 12:15 |  #22

I have allstate for business. It covers liability and replacement cost for equipment. Its about $300 or so for the year.

For those getting business insurance be sure your policy covers you were you work, not just where your place of business is. A lot of people miss that little pointer and end up sorry they did.


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1000WordsPhotography
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Aug 26, 2013 17:47 |  #23

Sorry got a little confused there. Its two policies, one is inland marine and one is liability. I needed the inland marine because if I break equipment at a customer site thats what I needed to cover it (at least thats the part of my policies that cover it). And I have cash value not replacement value.


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casp3r
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Aug 27, 2013 09:43 |  #24

As you're in the UK you could try
www.policybee.co.uk (external link)

I get:
Professional Indemnity (£50,000)
Public Liability (£1,000,000)
Equipment (£3000) -I know I don't have much :(
All for £15.55 per month.
What are they like? I don't know because I haven't had to claim yet.


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Kronie
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Aug 27, 2013 10:07 |  #25

Yea, sorry I didn't catch your location. You probably need a UK agent...




  
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jakefreese
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Aug 27, 2013 11:43 |  #26

I pay about 2% with the farm bureau, covers the gear where ever I am. 1mil in liability was like a couple hundred more but I dont have that since I am a hobbyist.


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KSG ­ Photography
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Aug 28, 2013 13:16 |  #27

clarinathan wrote in post #16211274 (external link)
Thanks for the ideas. I will have a chat with my home contents insurance people tomorrow. I've also found these guys who seem to have a decent reputation and product.
http://www.towergate.c​om/ (external link)
Cheers
Nathan

I use Towergate too and can't recommend them highly enough. I fell into a pond at a wedding just over a week ago (on a Sunday) and one of my 7d's died, along with the 580ex II, the other body and lens got splashed. I switched to my backup bodies and lenses and carried on. Called Towergate 1st thing the next morning and was told "No problem, get them all into a repair centre for a quote and if its not too much we'll get them repaired. If its going to cost too much we'll replace them - get me 2 quotes to replace the lot" As it turned out everything except the flash are fine but the service from Towergate was 1st class. It costs me about £12pm on top of my PL and PI insurance to have all my kit insured.


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David83
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Aug 28, 2013 13:51 as a reply to  @ KSG Photography's post |  #28

I have a policy through Travelers. covers all my gear for basically anything ( I drop it in the river, theft, etc.) . Covered at New cash value for $175 a year. That's stupid cheap IMO and I can play and not worry if something happens


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