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Insurance for my camera equipment
I'm not shooting professionally at the moment since I'm busy with my full time job but I just got a whole bunch on new goodies that I want to insured because knowing my luck something will happen. Where can I get insurance that would cover lost/stolen or damage equipment. I want to make sure I'm covered. I only need the insurance for my equipment. Feb 02 13 12:27 pm Link PPA has something although i think it's market value not replacement cost. so kind of useless. some homeowner's policy have some coverage. we have coverage through CNA. state farm cancelled us because we're sinners and shoot nudes. hill&usher is another one. lots of ones geared toward photographers. make sure to get replacement cost for a new item, not market value. the market value of a 5D MK I is low but the cost of a 5D MK III is high. we have a $500 deductible on ours so when i dropped my 24-70 insurance didn't come into play since the repair was $420. insurance is for big losses, not little ones. Feb 02 13 12:37 pm Link call your insurance agent, the one who handles your home owners or renters/tenants coverage. For very little money, you can probably get a rider if you list the equipment with serial numbers. Feb 02 13 12:38 pm Link twoharts wrote: Actually, PPA members have $15,000 of replacement cost coverage. Feb 02 13 12:39 pm Link State Farm has cancelled many for being sinners. And 2harts is in Oregon "one of the 5 liberal states in the country" Feb 02 13 12:40 pm Link that's good to know. back when i looked into it i think it was market value, not replacement. so maybe they've changed their mind on that. Michael DBA Expressions wrote: Feb 02 13 12:43 pm Link twoharts wrote: You're joking, right? I have my equipment insured through them, they don't seem to care what kind of shots I take. Maybe you need a new agent? Feb 02 13 12:49 pm Link Feb 02 13 12:49 pm Link not kidding. and we even filed an appeal at our agents suggestion (i said "we're nice to boudoir clients, we don't even rape them for the most part"). got a nice letter back saying that they didn't need sinners like us. if they can find out from your web site that you shoot nudes then you could get cancelled immediately. at least that's what happened to us. and state farm isn't the only insurance company with issues. ForeverFotos wrote: Feb 02 13 12:51 pm Link If you do not make ANY money from the gear a rider on your home owner's policy is the most cost effective way. $22k worth of gear on my home owners policy with an annual premium of $134 from USAA. I now have $15k with TCP at an annual cost of $510(ish) Feb 02 13 12:52 pm Link Make sure you get 'replacement value' for your equipment and not just the amount you paid for it. Makes all the difference in the world, when in a couple of years you lose something and it needs to be replaced, but the price has gone up a lot KM Feb 02 13 12:58 pm Link Feb 02 13 01:47 pm Link Ken Marcus Studios wrote: That $3000 lens you bought 5 years ago, its new vr replacement will cost you $6000 now. Feb 02 13 01:56 pm Link I use CNA (out of Chicago). They also used to be a client of mine. But I went with them also because they have some of the lowest rates for a reputable Insurance company. Feb 02 13 02:01 pm Link ForeverFotos wrote: Ok, I have State Farm also for all of my higher end equipment such as cameras and lens and what I shoot has never came up. Why would it matter? Shooting nudes is not illegal. Feb 02 13 02:06 pm Link James_Cessna wrote: It's not a matter of legality . . . the powers that be at State Farm decided for 'moral reasons' not to do business with anybody that takes photos or videos of naked people. Feb 02 13 04:14 pm Link cy be rea n wrote: +1 Feb 02 13 04:16 pm Link When I bought my D700 thats when I decided to put insurance on it along with all my pro lenses. I think it was under $70 a year. Not bad for peace of mind. I chose state farm. Feb 02 13 04:24 pm Link A-M-P wrote: I'm currently using Marsh (who used to do PPA's), and they offer insuring only equipment, so you would not need to pay for liability. Feb 02 13 04:36 pm Link If you are doing NO professional work at all, like nothing then you can get a camera floater policy to go with your homeowners or renters policy and they are very cheap, much less than any pro policy, just check to see what there definitions are and make sure that it is for replacement value. Call your insurance agent/company. Feb 02 13 05:29 pm Link fullmetalphotographer wrote: This is who I use. The policy is through The Hartford and in addition to covering equipment, there are provisions for errors and omissions, liability, etc. I am a PPA member also, but I have decided to keep my Hartford policy over the PPA insurance. Feb 03 13 06:55 am Link A-M-P wrote: As soon as you start earning from your photography it is likely that standard home policy cover will become void. If you are taking on any assignments it is becoming common in the UK for some places to require you to have £2m, £5m or even £10m public liability insurance - something that we caught from your side of the Atlantic. Feb 03 13 07:40 am Link |
