Insurance question(s)...

Hi Folks...I just received a quote from Hill and Usher for a complete package of insurance, including errors and ommisions, replacement value coverage, etc. The premium quote seems higher than numbers I have seen mentioned around here.

So, my request fro anyone so willing, is to PM or email me with the premium you pay for similar coverage just so I can guage their quote...and I would be happy to disclose my quote and any other information in those private communiques.

Thanks...

Scott, there are still a lot of variables, including the area that you live/work in? Can you get quotes from other providers in the area?
Failing that, it's been covered before, so I suggest that you run a Title search as search links only last a short time; Advance search> Search by Key Word/ Search Titles Only.

https://photography-on-the.net …arch.php?search​id=1616589

I actually just got non-pro insurance on all my camera equipment up to 3000 dollars for 30 dollars a year. Its a personal article policy from State Farm Insurance.

it depends on what you are insuring, and prior losses, location etc.


Here was my quote from Tom Pickard's Group Insure:

"Dear Corey,
Thank you for your interest in the Commercial Photographers Business Insurance Program. This Business insurance program is underwritten by Fireman’s Fund; AM Best “A” rated, and is sold nationally through the Tom C. Pickard & Co., Inc. Agency. Below is a brief outline of coverage's and options available to you:
Business Personal Property: $4,000 Coverage for general office contents bought by the business for the business. Betterment’s and improvements to your studio should also be included in the figure.
Desktop Computer Equipment: $2,000
Laptop/Walkie Talkies: $2,000
Coverage for desktop hardware and software you own. Replacement Cost valuation applies per schedule provided by you. Laptops & Walkie Talkies are rated separately.
Owned Camera Equipment: $8,000 Photography Equipment which you own while at the studio or on location. Replacement Cost valuation applies. Earthquake & World wide coverage included.
Rented Camera Equipment: $0 Coverage for Photography Equipment which you rent and are responsible for, Replacement Costvaluation, applies. Earthquake & World wide coverage included.
Property of Others: (Premises Only)$15,000 (Off Premises) $5,000 Coverage for product or property on your premises, in your care, custody or control. Certain exclusions apply.TCP &co
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Page 2
Corey Polis Proposal Page Two May 2, 2006
Comprehensive General Liability: Aggregate $4,000,000 (Motion Picture, Film & Video Liability not covered)Per Occurrence$2,000,000Co​vers Bodily Injury and Property Damage for which you are legally liable. Certificates of Insurance naming the Certificate Holder as an “Additional Insured” are $25 per certificate. Other Coverage’s: INCLUDEDOPTIONAL•Portf​olio Coverage($3,000) •Business Income & Extra Expense •Rental Reimbursement (Included) •$500 Policy Deductible •Errors & Omissions$2,000,000 @ $150 Flat •Workers Compensation $1,000,000 (call for rates)•Hired & Non-Owned Auto $2,000,000 @ $125 (varies by State)•Entertainment PackageNegative Film/Faulty Stock Hired Liability & Physical Damage Misc. Rented Equipment (See Enclosed Brochure)*

Total Estimated Annual Premium: $510
Please note:-Terrorism coverage included with estimate.- Premium may be paid in 4 installments over eight month period.-
One-time $50 agency fee is additional to annual premium.- Rate is based on prior coverage with no losses OR no prior coverage.*(Actual premium may differ based on the total camera replacement value reported)
Note:Coverage for camera equipment and or computer equipment cannot be effective until camera and or computer equipment schedule(s) are received by Tom C. Pickard & Co., Inc. Disclaimer: This is only a Quote. It is not intended to represent full insurance coverage.
Thank you again for your interest in our program and we look forward to hearing from you soon.
Sincerely,Casey Berry, Sales Representative 310-379-7788 / fax 310-318-9840"