USA photo liability insurance

[MrFotoFool]

I would like to know if any working pros have recommendations for business insurance that specifically includes liability insurance. (I tried searching the forum but all the insurance topics seem to deal with coverage for camera gear). I plan to start leading photo tours, so I need pretty good coverage for the participants. I got a postcard in the mail from Hiscox Insurance, but a quick look at online reviews tells me to stay as far away as possible. Any leads would be immensely helpful (please respond only if you live in the USA).

 

[Chris Geiger]

I use "The Hartford" it costs under $700 a year, includes coverage for $20K equipment and $1,000,000 in liability. Their number is 866-467-8730.

 

[Drizzt321]

You can also join PPA (Professional Photographers of America), which gets you a base level of equipment insurance and indemnity, and you can then pay for more. Don't know the rates though. There are a few other professional organizations that offer some kind of insurance program you can buy into as well.

 

[MrFotoFool]

Thanks for the replies - keep them coming!

 

[Pi]

I have insurance with State Farm, not connected to my house insurance, but I am not a pro.