canon rumors FORUM

Gear Talk => Canon General => Topic started by: lv2rescue on February 14, 2013, 07:57:29 PM

Title: reputable insurance company for camera gear
Post by: lv2rescue on February 14, 2013, 07:57:29 PM
Hi folks,
I am slowly increasing my cache of camera gear and finally figured I should probably start thinking about insurance. I am contemplating beginning to do jobs for $$, so looking for companies other than homeowner's insurance. Any help would be greatly appreciated. Thanks in advance.
Title: Re: reputable insurance company for camera gear
Post by: wickidwombat on February 14, 2013, 08:03:23 PM
Hi folks,
I am slowly increasing my cache of camera gear and finally figured I should probably start thinking about insurance. I am contemplating beginning to do jobs for $$, so looking for companies other than homeowner's insurance. Any help would be greatly appreciated. Thanks in advance.

check your home owners policy I know my policy with cover up to $5000 worth of proffesional use equipment but that doesnt even come close to cover my gear.

So I have a full Professional photography insurance policy with AON it covers all my gear worldwide and includes up to $10M public liability insurance
Title: Re: reputable insurance company for camera gear
Post by: ilkersen on February 14, 2013, 09:04:10 PM
I, too, am looking for similar photo equipment insurance in the U.S., which potentially covers international travel for theft/damage.
OP mentioned not homeowners...  I don't have home/renters insurance either.
Title: Re: reputable insurance company for camera gear
Post by: Vivid Color on February 14, 2013, 09:22:35 PM
I'm also interested in such information.
Title: Re: reputable insurance company for camera gear
Post by: temp726 on February 14, 2013, 09:43:41 PM
PPA is pretty decent.  They do up to $15K, worldwide.  Nice folks to deal with as well.

www.ppa.com (http://www.ppa.com)
Title: Re: reputable insurance company for camera gear
Post by: RLPhoto on February 14, 2013, 10:47:47 PM
Hill and Usher. Saved me more than once.
Title: Re: reputable insurance company for camera gear
Post by: jdramirez on February 14, 2013, 10:56:57 PM
Hi folks,
I am slowly increasing my cache of camera gear and finally figured I should probably start thinking about insurance. I am contemplating beginning to do jobs for $$, so looking for companies other than homeowner's insurance. Any help would be greatly appreciated. Thanks in advance.
I think I have a personal property (or something like that) policy through Erie Insurance in PA.  They charge by the value of your gear.  I think it was something like 46 bucks per year against theft or accidental damage for around $5,000 of gear.  I haven't had to use it, but there isn't a deductible.  Contact a legitimate company before you go with someone you have never heard of.  Peace of mind is worth the extra 10 bucks you might have to pay.
Title: Re: reputable insurance company for camera gear
Post by: Ryan_W on February 14, 2013, 10:59:05 PM
Most major insurers will offer policies called "inland marine" or something like that that cover business equipment. For instance, I use State Farm for my auto insurance (Because I live in Illinois) and I have an additional business policy that covers me for $10,000 in gear against anything, and this includes rental gear. It's $26 a month.  It also extends to any equipment I claim as necessary in the course of business, so that's computers, laptops, memory cards, tripods, lenses, camera, bags, cables, flash heads, you name it.

If you have an agent or a 1-800 number call them and tell them your situation. It's likely they have a policy option to cover you, and you might be eligible for discounts if you buy with your homeowner's / auto etc.
Title: Re: reputable insurance company for camera gear
Post by: temp726 on February 14, 2013, 11:00:09 PM
Also, I forgot to mention.  In addition to PPA, I also have renter's insurance through USAA, it's up to 20K worldwide.  They are really good, and I have had to use it a couple times.  Other renter's insurance polices are similar.  I used to have Progressive.  They were okay.  The previously mentioned Hill and Usher are quite reputable as well.  There's lots of options out there depending on your level of needs.
Title: Re: reputable insurance company for camera gear
Post by: wickidwombat on February 14, 2013, 11:02:34 PM
sorry I checked and the actual policy is with Vero AON are just the brokers