December 21, 2014, 05:19:18 PM

Author Topic: reputable insurance company for camera gear  (Read 2185 times)

lv2rescue

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reputable insurance company for camera gear
« 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.

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reputable insurance company for camera gear
« on: February 14, 2013, 07:57:29 PM »

wickidwombat

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Re: reputable insurance company for camera gear
« Reply #1 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
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ilkersen

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Re: reputable insurance company for camera gear
« Reply #2 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.

Vivid Color

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Re: reputable insurance company for camera gear
« Reply #3 on: February 14, 2013, 09:22:35 PM »
I'm also interested in such information.

temp726

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Re: reputable insurance company for camera gear
« Reply #4 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
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RLPhoto

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Re: reputable insurance company for camera gear
« Reply #5 on: February 14, 2013, 10:47:47 PM »
Hill and Usher. Saved me more than once.

jdramirez

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Re: reputable insurance company for camera gear
« Reply #6 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.
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Re: reputable insurance company for camera gear
« Reply #6 on: February 14, 2013, 10:56:57 PM »

Ryan_W

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Re: reputable insurance company for camera gear
« Reply #7 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.

temp726

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Re: reputable insurance company for camera gear
« Reply #8 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.
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wickidwombat

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Re: reputable insurance company for camera gear
« Reply #9 on: February 14, 2013, 11:02:34 PM »
sorry I checked and the actual policy is with Vero AON are just the brokers
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Re: reputable insurance company for camera gear
« Reply #9 on: February 14, 2013, 11:02:34 PM »