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FORUMS Post Processing, Marketing & Presenting Photos The Business of Photography 
Thread started 07 Jan 2014 (Tuesday) 08:02
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Insurance

 
BTLPLLC
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Joined Dec 2013
     
Jan 07, 2014 08:02 |  #1

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!!


-Stephanie
Beyond The Lens Photography, LLC
https://www.facebook.c​om/BeyondTheLensPhotog​raphyLLC (external link)
Canon EOS Rebel T3i w EFS55-250mm

  
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Shooting
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Jan 07, 2014 14:08 |  #2

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




  
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JeremyKPhoto
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Jan 07, 2014 14:09 |  #3

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.


5D Mark III / 70-200 2.8L IS II / 24-105L / 50 1.8 stm / Tamron 70-300 VC / Sigma 85mm 1.4 Art

  
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Tigershark
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Jan 07, 2014 14:22 as a reply to  @ JeremyKPhoto's post |  #4

I have both policies liability and equipment through Marsh




  
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cory1848
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Jan 07, 2014 14:32 |  #5

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.


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"Those are some mighty fine pots and pans you have, they must make a great dinner!

  
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aparis99
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Jan 07, 2014 14:38 |  #6

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


My Site - www.apimagery.com (external link)
Canon 5DmkIV (x2), Canon 16-35 f/4LIS, Canon 70-200 f/2.8LII, Canon 24-70 f/2.8LII, Canon 24-105 f/4L, Sigma Art 35 f1.4, Canon 50mm f/1.4, Canon 85 f1.8, Canon 100 f/2.8L, Canon 100-400LII, 2x Extender III, 580exII, Think Tank Retro 30 and 40

  
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