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SportsShooter.com: Member Message Board

Camera gear Insurance.
Jonathan Nimerfroh, Photographer, Photo Editor
Chester Springs | PA | USA | Posted: 3:40 PM on 05.11.06
->> Can anyone recommend a good company to get camera equipment insurance.
I do have a member ship with NPPA and i know they offer a policy.

Thanks!
-JON
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Landon Finch, Photographer
Colorado Springs | CO | USA | Posted: 3:46 PM on 05.11.06
->> Jonathan,

Search the message boards, you'll find more info than you probably want.
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Ryan Scott, Photographer
Ballwin | MO | USA | Posted: 4:04 PM on 05.11.06
->> I just told my insurance agent that I wanted a floater on my equipment. It was pretty cheap, don't remember the exact amount but less than $100/year for $10,000 coverage. The same guy that does my home and auto insurance was able to set this up for me in 30 minutes.
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Scott Renshaw, Photographer
McHenry | IL | USA | Posted: 4:10 PM on 05.11.06
->> Like Landon said, a search is probably going to give you more than enough info on equipment insurance.

I currently have my policy through TCP and highly recommend them.

http://www.groupinsure.com/

A few additional posts
http://www.sportsshooter.com/message_display.html?tid=17712
http://www.sportsshooter.com/message_display.html?tid=12671
http://www.sportsshooter.com/message_display.html?tid=13781
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Max Simbron, Photographer, Assistant
Phoenix | AZ | USA | Posted: 4:44 PM on 05.11.06
->> I'm with TCP and also recommend them.
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Ian L. Sitren, Photographer
Palm Springs | CA | USA | Posted: 4:47 PM on 05.11.06
->> Also TCP, groupinsure.com
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Dan Megna, Photographer
San Diego | CA | USA | Posted: 5:22 PM on 05.11.06
->> I'm also with TCP. Always great service.

But... Ryan, quick horror story about an associate who, like you, carried his camera equipment as a suppliment attached to his homeowners policy - When his bag and $12,000 worth of equipment was stolen at an sporting event, he obviously made a claim. The insurance company, (yes, a BIG national company) quickly paid him off, then, a month later, cancelled his homeowners policy. Oh, and that was only his second claim in 8 years. That's the only first hand account I'm aware of but it talking with my agent, he said, in recent years, that is not uncommon in the insurance business. Just food for thought....
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Jim Work, Photographer
Alpine | TX | USA | Posted: 6:00 PM on 05.11.06
->> Ryan.........check your policy, it more than likely has a clause that will disallow coverage if you are a "professional photographer". Go with TCP or any firm that deals with photogs. It will pay in the long run.........jw
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Guy Rhodes, Photographer
East Chicago | IN | USA | Posted: 6:11 PM on 05.11.06
->> Just a heads-up on TCP, I called them when I started shopping around for insurance, and they will not cover "motion picture" gear, including video cameras. So, if you're breaking into the multimedia word, or are a video shooter already like me, you'll have to look elsewhere for coverage. They recommended Hill & Usher... http://www.hillusher.com/.
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Guy Rhodes, Photographer
East Chicago | IN | USA | Posted: 6:12 PM on 05.11.06
->> ... multimedia *world*...
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Ryan Scott, Photographer
Ballwin | MO | USA | Posted: 6:23 PM on 05.11.06
->> TCP looks interesting, but I work from home so most of it is not really applicable to me. Still I'll give them a call.

My policy does cover professional use, the agent had to charge me a few bucks more since it is pro use. It's the same agent, but a different company supplies my homeowners vs. camera policy ... so if I made a claim it wouldn't hurt my homeowners policy status.
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David Seelig, Photographer
Hailey | ID | USA | Posted: 10:00 PM on 05.11.06
->> The Hartford I just had a computer crash from lighting I have a 250 deductible on camera equipment they paid full vlaue on my computer. Ina very timely manner.
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Ryan Gibbons, Student/Intern, Photographer
Columbia | MO | USA | Posted: 1:16 AM on 05.12.06
->> I called my home owners agent a few weeks ago about insurance. He couldn’t help me because it was for business use... However, he did recommend buying a policy offered by independent agents...an RLI product. He did some looking into it and it will cover camera equipment. I can get 5,000 equipment and then $250,000 liability for about $150 per year. Additional $1000 of equipment is $18 per year. Any experience or thoughts on this policy.

Just an idea I thought I would throw out there.

- Ryan
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Maxwell Yedor, Student/Intern, Photographer
Oxnard | CA | USA | Posted: 1:54 AM on 05.12.06
->> I'm with CSI through the APA and pay about $250 for 15K on my gear and a 25K rental policy. They give me a student discount, but as I remember it isn't much more for no students. I have not made a clain with them, but they do seem like really freindly and helpfull people.
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Landon Finch, Photographer
Colorado Springs | CO | USA | Posted: 9:13 AM on 05.12.06
->> Ryan,

You may want to look into coverage for "Professional Liability/Errors and Omissions" as found on the Hill & Usher website
http://www.hillusher.com/WPPI/

Or look at TCP's optional "$2,000,000 Professional Errors and Omissions Coverage" & "Umbrella Liability in addition to the $2,000,000 Coverage included with the package."

You'll pay more than $150/year with TCP or Hill & Usher. As with most insurance, it's a gamble. You have to decide how much you're willing to wager.
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Jim Colburn, Photographer
Omaha | NE | USA | Posted: 12:46 PM on 05.12.06
->> "I just told my insurance agent that I wanted a floater on my equipment"

I went through the pros and cons of tacking my gear on to my homeowner's policy but went with a dedicated camera insurance policy for one main reason. I figure that my chances of making a camera related claim are higher than that of making a regular homeowner's claim and I wouldn't want said claim to result in the boosting of my homeowner's premium.
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Ron Alvey, Photographer
Lebanon | OH | USA | Posted: 3:18 PM on 05.12.06
->> I went through my State Farm agent. We also have our cars and home through them. It's $75 a year.
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Ron Holman, Photographer
Visalia | CA | USA | Posted: 3:59 PM on 05.12.06
->> I just bought a new lens and asked to add it to my EXISTING policy (these have many nick names: floater, personal articles, etc.) with State Farm. They said they do cover such items EXCEPT for freelance and newspaper photographers. On the other hand, wedding photogs were okay. So if I'm a wedding photog doing a freelance job, or visa versa, would I be covered? Who knows. My agent managed to convince the company to accept the new lens on my policy. So I'm covered, I think.

I'm paying about $50/year for 11.5K in coverage. A good deal-- if claims are not denied. But now I'm thinking I should move into a policy with fewer loopholes.
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Bryan Rinnert, Photographer, Photo Editor
Columbus | OH | United States | Posted: 4:05 PM on 05.12.06
->> I have my home/auto insurance through State Farm and my agent said they could not cover my gear as a freelance photographer. They said it would be best to go through a separate agency for my gear. I'm looking at the Hays Group as I'm a member of NPPA.
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Todd Corzett, Photographer
Livermore | CA | USA | Posted: 5:36 PM on 05.12.06
->> My gear is covered under a seperate policy from State Farm (I have no other policies through them). Cost is about $360 for around $20k in camera/computers for business use (freelance). I think I went for a $100 deductable rather than $0 to save a few bucks, but it wasn't too much more expensive for $0. State Farm was not able to provide insurance for rentals or liability, but they suggested another company I could go through.

-Todd...
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Markus Paulsen, Photographer
Oceanside | CA | USA | Posted: 4:00 AM on 05.14.06
->> Don't ever rely on your homeowners insurance to cover your gear in case of a tragedy. If you are considered "Pro" They will not cover it. I speak from experience and my lesson cost me over 30,000. The insurance agencies dig deep and fully investigate even if your claim is legit.

I am a member of the APA and go through CSI but it's a Fireman's fund policy. Top notch policy covers everything. It covers my whole business from computers to all photographic gear (about 80G worth). Damaged documents, archives, liability, workers comp, and the list goes on. I pay like 1,500 a year but I can sleep easy a night.
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Sharon P. Fibelkorn, Photographer
Corona | CA | USA | Posted: 12:39 PM on 05.14.06
->> I'm also with TCP, http://www.groupinsure.com and I looked into Hill & Usher but they had a funky exclusion that stated if I had gear in cars without an alarm, that wouldn't be covered for loss. My concern was rental cars and it would be foolish to think I would always be able to control that situation so TCP was the better choice for me.
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Sharon P. Fibelkorn, Photographer
Corona | CA | USA | Posted: 12:43 PM on 05.14.06
->> I have my autos and home with Farmer's and, while they would insure my gear; they couldn't get near the price that TCP was going to charge.
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Erik Anderson, Photographer
Lee's Summit | MO | | Posted: 2:12 PM on 05.15.06
->> I carry a seperate business policy with State Farm (with whom I have my home and auto insurance). It's $150/year for up to $10K of equipment coverage, covers lost income due to injury, and $1MM in liability.
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christopher koutsis, Photographer
huntington | ny | USA | Posted: 4:49 PM on 05.15.06
->> Anyone ever have problems with AAP?
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Jacquelyn Martin, Photographer
Birmingham | AL | USA | Posted: 7:24 PM on 05.15.06
->> does "commercial photographer" on TCP include editorial photographers?

anyone know how TCP compares with the NPPA insurance company?

thanks.
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Thread Title: Camera gear Insurance.
Thread Started By: Jonathan Nimerfroh
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