Insurance

[gecphot]

Does anyone know of any good insurance for camera gear that covers accidentals etc. for working cameras (ie cameras you use for jobs etc)? What do you use? Does it cover computers as well?

Any ideas would be great

[Daniel Bates]

There's some good info in here. I'm in the process of looking for some insurance coverage myself...

[CaptainG]

On your Texas homeowner's policy, some companies cover photo equipment, not used in a business, either in the basic policy or in a personal articles floater. For the PAF, you must schedule each piece of equipment and pay an additional premium. Mine is about $143 a year for $18,500 coverage.

[johnastovall]

Originally Posted by gecphot

Does anyone know of any good insurance for camera gear that covers accidentals etc. for working cameras (ie cameras you use for jobs etc)? What do you use? Does it cover computers as well?

Any ideas would be great

I use an Personal articles (ie. Inland Marine) policy for all my personal photogear. But if you use the gear for income you will have to get a different kind of policy. See your agent about that.

[TJPhotoGuy]

I pay like $30 through state farm. I recently claimed my 50/1.8, there was no deductible. They do depreciate stuff, which seems odd for lenses, but not much.

[amadjuster]

If you have a Texas Homeowners or Tenant Homeowners policy, you can put an endorsement called a Scheduled Jewelry Endorsement. You can add cameras, lenses, flashes, tripods, or just about anything else to this endorsement using either receipts or ads or your good relationship with your agent for the initial declared value. The items are listed with a value and you pay a premium based on the per $100 value. This is the absolutely best insurance for the dollar you can buy. It is All Risk ( meaning it is covered unless the cause of loss in specifically excluded) and there is no deductible. If a covered item is LOST (meaning if you drop it off a cliff or into the lake) it is covered up to the Declared Value amount. This endorsement does not differntiate between business or personal use like the basic coverage does. This endorsement has been around for years and most agents do not even know about it.

DP

[Roadrnr]

Originally Posted by amadjuster

If you have a Texas Homeowners or Tenant Homeowners policy, you can put an endorsement called a Scheduled Jewelry Endorsement. You can add cameras, lenses, flashes, tripods, or just about anything else to this endorsement using either receipts or ads or your good relationship with your agent for the initial declared value. The items are listed with a value and you pay a premium based on the per $100 value. This is the absolutely best insurance for the dollar you can buy. It is All Risk ( meaning it is covered unless the cause of loss in specifically excluded) and there is no deductible. If a covered item is LOST (meaning if you drop it off a cliff or into the lake) it is covered up to the Declared Value amount. This endorsement does not differntiate between business or personal use like the basic coverage does. This endorsement has been around for years and most agents do not even know about it.

DP

Yes that's correct except the are ALL called a Personal Aritcles Floater, or Scheduled Personal Property. On those, you can schedule computers,jewlery,golf equipement etc...

I disagree with you that most agents don't know about it. At least not the agents that I have met or known in the last 15 years or so.

That endorsement is extremley versitile and well worth money!

[AlexMorse]

I went with state farm. As long as photography isn't a primary source of income, it's relatively cheap. I pay $50 year for about $4500 in coverage. That covers anything really, throwing my camera against a wall accidentally included. Most importantly theft or damage from others is covered.

[bondarnes]

Originally Posted by AlexMorse

I went with state farm. As long as photography isn't a primary source of income, it's relatively cheap. I pay $50 year for about $4500 in coverage. That covers anything really, throwing my camera against a wall accidentally included. Most importantly theft or damage from others is covered.

How would you "accidentally" throw your camera against a wall????

[d2creative]

Originally Posted by AlexMorse

I went with state farm. As long as photography isn't a primary source of income, it's relatively cheap. I pay $50 year for about $4500 in coverage. That covers anything really, throwing my camera against a wall accidentally included. Most importantly theft or damage from others is covered.

Same exact thing here, too. Except i use Allstate. Personal Articles Policy.

[boxofrocks]

call hill & Usher.

http://www.hillusher.com/

[amadjuster]

Originally Posted by Roadrnr

Yes that's correct except the are ALL called a Personal Aritcles Floater, or Scheduled Personal Property. On those, you can schedule computers,jewlery,golf equipement etc...

I disagree with you that most agents don't know about it. At least not the agents that I have met or known in the last 15 years or so.

That endorsement is extremley versitile and well worth money!

I am sorry about the insurance agent slam. The last 4 years I have dealt with Farmers agents so I apologize to the others. I should have said, most Farmers agents don't know about it.

[Clayton Wallace]

How would you "accidentally" throw your camera against a wall????

You know, like if you were aiming for a lamp or something and missed and hit the wall...

[CobyPhoto]

All depends upon on the amount of the equipment and like most point out, if it is used in business or personal sector. I carry two forms of insurance...one that is included with my total business policy that covers my equipment at the studio for theft, fire, etc. and I have a specific policy that covers my equipment when on location, in transit, etc. through Marsh & the PPA. Very comprehensive coverage. Nothing is excluded. (Even covers mysterious dissapearnce! LOL) It is along the same thing as Usher & Hill like Tom suggested; both Usher & Hill and Marsh specialize in these areas just for photographers.

One word of warning on the floaters and endorsement on Home / Renters insusrance policies...claim a loss, that is a CLAIM on your homeowners insurance. Get too many and you won't be getting your homeowners insurance policy re-newed.

CJ

[amadjuster]

Originally Posted by bondarnes

How would you "accidentally" throw your camera against a wall????

Swatting killer bees?