Insurance

Is anyone insured through Package Choice Photographer's Insurance Program? Are you using someone else for equipment, Errors & Omissions, Auto? Are you bundling everything with one company? Just a little guidance needed here. Thank you!!

I wish I could afford liability but due to the lack of business I cannot afford anything and just trust my home owners insurance.

I have my liability insurance with State Farm. I pay about $290 and it includes coverage for my gear in the event of loss, theft, or damage.

I have both policies liability and equipment through Marsh

Hill and Usher here which is Package Choice. I have liability 2M through them. E&O coverage I have through PPA as well as equipment. I will be switching equipment over to H&U soon though for better coverage options. All in one place = convenience and one bill though not necessarily cheaper. If you are running a business good luck getting Homeowners to cover unless you have an inland marine rider.

State Farm said they didn't want to cover me as a freelance photographer and said it was too much risk... So I called KY Farm Bureau, saved about 50% on my vehicle insurance and now I have a $1M liability and equipment coverage, for about $280/yr