STICKY:  Are you insured?

GerryDavid wrote in post #3187487
And theres the method where you mail yourself something like photos or list of something, but you dont open it. Perhaps even getting the post master to stamp the seal to prove it hasnt been tampered with. So when you have to prove that the item is from a certain date, you just present the letter.

Apperantly thats not likely to work either.

You don't want to go over board trying to substantiate that you owned this equipment. Photos are ok, but they don't prove ownership. I could take photos of my friend's equipment and say it's mine.
You want to be able to show receipts or a bank statement that coincides with the purchase.
If you have no documentation, it helps to talk to your agent and let them know of any purchases you make so that they are aware and even let them see the equipment. This can help back up your story in the event of a loss.

When you submit a gear list to your agent, how do you price equipment? The price you paid, or the MSRP?

Thanks!

Sonic Infidel wrote in post #3209613
When you submit a gear list to your agent, how do you price equipment? The price you paid, or the MSRP?

Thanks!

I had to supply copies of my invoices but I also carry replacement value so that if the price has gone up I am covered. If the camera is not available I am supposed to get what I paid and then I cover the difference for whatever new I want to buy.

Sonic Infidel wrote in post #3209613
When you submit a gear list to your agent, how do you price equipment? The price you paid, or the MSRP?

Thanks!

You will always want to insure the items for what it would cost you to replace it. Even if the model you have is discontinued, you should insure it for what the most appropriate replace item would cost. As this is what the insurance company would owe you.

https://photography-on-the.net/forum/showthre​ad.php?t=320546

Sorry, I had started a different thread on this subject. EricL

So name a few Insurance Companies that people use for me in the UK please

Hi Everyone,

I was reading everyones comments about insurance and found them all very interesting. I really don't think I'll comment on coverages, etc, as that should be discussed with a Pro, but read on and you'll have that source.

In Canada we've had an insurance broker by the name of Steve Hordos who has been insuring Photographers for about 20 years. He left the agency he was a partner in a few years ago and is now working for another one. During the time he was away, the office he worked for just let the program he developed go to crap. All they did was take away coverages and increase rates, deductibles, etc.

Then Steve resurfaced with a greatly improved version of his old program this spring. I had the pleasure of dealing with him again and am very happy for it. He improved dozens of coverages, introduced about a dozen new items all while REDUCING the premiums. What more could you ask for.

After Steve left his old agency, service just didn't exist and I looked around. Unfortunately, I just couldn't find anything else that compared for coverage or price to his old program, that is until now, welcome back Steve, our industry really, really missed you.

Steve takes the time to customize his program with each person, making sure you know what you are buying. His tips on how to avoid claims is also very helpful, but hey, keeping claims down, helps keep insurance available and reasonable in cost. Maybe it's claims that is keeping insurance companies from offering coverages in other countries?

If you want to contact Steve for your insurance (at least in Canada) you can contact him at hordos@jordanewartinsu​rance.com. If you do contact him and buy, let him know you were referred by me so I can get my referral discount on my policy.

Joe P
Canada

Online receipts are good enough for records, correct?
I bought the vast majority of my stuff through online vendors.

i called my state farm agent today (i have auto ins with them) about personal article ins on camera gear .. she gave me a quote of $84/year with $0 deductible for $5k of stuff. I made a list of what I want covered along with serial #'s and print receipt/invoices of the items. Just need to bring it in sometime next week to get it set up.

I have Liability, Personal injury and also all my kit covered. Covered while in transit etc as well as theft from unattended vehicles. I use Entertainment and Leisure Insurance.

For anyone who's interested in all the in's and out's of commercial insurance for photographers, I've got an article that I've posted on my web site that's available for download. (It will be coming out in a future edition of the WPPI newsletter, but you can read it here first.)http://www.photographe​rstoolkit.com/Resource​s.html Click on the "Primer on Commercial Insurance for Photographers" to download.

John

I just got my insurance today from Allstate. $8000 of insurance added into my homeowner's policy cost me $40 per year!

thanks for the idea!!

~mike~

Anyone do the personal property insurance from Countrywide?

Just be careful when adding property onto a homeowner's insurance policy. You're not covered for any liability and if the insurance company determines that you're using the equipment to make money, they won't cover it at all. Unless you're truly pursuing photography as a hobby, don't mess around - get a commercial policy.

John

Anyone get insurance from a company they don't have home or auto with?