General Liability Insurance

[Redneck]

I pay $519 a year with The Hartford. $9000 equipment and a lot of liability coverage. I purchased the policy via Hill & Usher but wouldn't do it again. Very poor customer service. They respond to every question very quickly, but only until you've purchased the policy. After that zero response.

I'll switch to someone else after the my first year with them.

[ShaneKislack]

I use Tom Pickford. You can probably find cheaper than TCP, but also consider experience with the industry. TCP is in L.A. and insures a lot of big Hollywood productions. They are very used to the industry and what could happen. They also are very responsive when you have to add a company to your certificate.

[STP Images]

I use the Hartford and have coverage for my equipment (loss is covered anywhere, anytime for any reason, whether working or not), general liability up to $2,000,000 aggregate incident AND loss of the studio. I own my two story studio rather than rent, so it's covered for $300,000 replacement cost. Because of this, my rates are higher than those posted, but I can tell you that the Hartford came in at HALF the cost of the second best bid. I did have to submit info to go through a formal approval process since my studio is located in a hurricane strike field, but they approved it after a little back and forth. My rates have remained constant for 3 years even when I add new equipment to the policy. I used the Hartford directly, and not through PPA or any other organization. YMMV.

[dracula02]

I just got a quote from the Hartford via 3rd party for $350/yr $2M per Occurrence and $4M Aggregate max, no equip coverage.

[doctahjones]

Originally Posted by DoublyDan

I recently purchased mine through USAA. They dont offer the insurance themselves but go through one of three companies. If you are a USAA member you can get this insurance without the extra charges like broker fees and such.

The bottom line is up to 1 million occurrence, with 2 million being the aggregate (the most they will pay out in a calendar year...depending on when you start your policy).

The Premium depends on how much equipment you are insuring (yes I got my equipment covered under the same policy...includes laptop, portable studio, camera and all other gear that I take to locations.) My Premium is $500 a year with a $500 deductible. For each installment they charge an extra 6 dollars and they offer 1, 2, 3, 4, 6, or 10 installments.

The companies they use are Travelers, The Hartford and the last one I cannot recall.

Hope this helps...someone.

same with me. initiated through usaa, and it's actually through travelers. mine is 2 mil per occurance, 4 mil max per year though with a $250 deductible. same $500/y, billed out as like ~$130 every quarter. mine didn't matter what equipment i had, it was all covered and didn't need to be listed out.

however i did have a run in with trying to get a dropped lens replaced. basically they would pay the cheaper of: 1. retail cost of an equivalent lens, 2. the market value of your lens, 3. repair of the lens. and that's all after your $250 deductible. so for my cheap tamaron 2.8, i basically wouldn't get squat because it was only ~$200 to repair the lens, which is less than my deductible. now on an expensive lens (like a nikon 70-200 2.8) i'm sure the replacement ins would come in handy...