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SportsShooter.com: Member Message Board

equipment insurance
Sam Bennett, Photographer
Alpharetta | Ga | United States | Posted: 11:50 AM on 01.23.12
->> Hey guys. I am looking to insure my camera equipment and just wanted to see how you guys did it? Since I use my equipment for my business, I was told I needed some type of commercial policy. The rate I found with the Hartford was $500/yr. Just wanted to see if there was a better rate out there or if this is standard.

Thanks guys!

Sam
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Alan Look, Photographer
Bloomington/Normal | IL | United States | Posted: 11:52 AM on 01.23.12
->> Sam, you'll find all kinds of information on this topic on the message board archives. The consensus I've seen over the years is a Fireman's Fund through TCP Insurance in California.

There are a few others that get listed too, but this one seems to be the one preferred by most.
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Derek Montgomery, Photographer
Duluth | MN | USA | Posted: 11:54 AM on 01.23.12
->> I use Tom C. Pickard and am happy with them. Make sure you have a policy that covers replacement cost so that camera you spent $5000 on a few years ago will be covered up to the current version and not for its current resale value.
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Eric Canha, Photographer
Brockton | MA | United States | Posted: 12:12 PM on 01.23.12
->> I'll throw out Hill & Usher. My policy is placed with The Hartford. SUPER easy people to work with. Had to add international coverage last year and the underwriter was very pleasant and made sure that I had all the pitfalls covered.
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Nic Coury, Photographer
Monterey | CA | | Posted: 12:15 PM on 01.23.12
->> I go with the one through NPPA.

Dunno if you're a member there, but it's pretty good.
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Mark Kauzlarich, Photo Editor, Student/Intern
Madison | WI | | Posted: 12:33 PM on 01.23.12
->> I'd just like to say that Fireman's Fund has been anything but helpful for me. Let me tell you a little story.

I was a passenger in a car traveling from Madison, WI to Columbus, OH to shoot a football game there. I was in the back of the car (hatch back two door car). I had delicately and diligently packed the car so that little bumps and swerves wouldn't cause anything to shift. Little did I know we'd face more than little bumps, and no packing would help. The driver inexplicably lost control of the car going approximately 70 miles per hour. The car crossed from the right lane, through the left, into the steel cable median. The driver tried to correct and shot us across the highway again, causing us to be within inches of being t-boned by a suburban. When we came to rest, the entire left side of the car was crushed. The windows were shattered, and the rear windshield came down on me, shredding the jacket that was sitting next to me. In the accident all the contents of the car (understandably) shifted. One of my lenses, after a large pelican case fell on the case it was in and then the entire case had shifted, lost all focus. Front focus at one end, back focus at another.

Fireman's Fund decided that though the car was totaled, unless the car rolled at least once, there is no reason anything inside the car should be damaged, including my camera equipment and my computer.

My insurance, State Farm, is going after the company for the money. They are covering replacing my computer that was damaged, and fixing the lens, though minus the deductible. Then, they are going to get the money for our deductible back as well.

Obviously I'm not the policy holder for Fireman's Fund. The person who drove the car, who was responsible, said the folks were just great. They replaced the car without much problem and he was on his merry way, but I got thrown under the bus.

Just something to think about.
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Randy Tobias, Photographer
Wichita | KS | USA | Posted: 1:07 PM on 01.23.12
->> I've had what most insurance agents refer to as an "Inland Marine" policy for going on 20 years for my business/camera insurance. The rate depends largely on the dollar amount you are insuring, but $500.00 sounds about right as a starting point. I think mine is just about $700.00 but I have a rather large amount of gear listed. You can also choose a deductible amount that you're comfortable with and the rate will vary depending on that amount. Just make sure you are getting actual replacement value for the gear you list. A policy like this should cover you if gear is stolen or damaged in any location. American Family has been good to work with for this.

Look into liability insurance that you can roll into the policy at the same time. $1 million liability is inexpensive and great peace of mind.

Good luck!
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Robert Seale, Photographer
Houston | TX | USA | Posted: 2:48 PM on 01.23.12
->> ASMP members can get their Prosurance plan, which provides coverage for gear, as well as other things we commonly need - liability, rental gear, portfolio loss, etc.....all in a tidy little package. I highly recommend it.

http://asmp.org/articles/member-benefits-taylor-taylor.html
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Angel Valentin, Photographer
Miami/San Juan | PR | | Posted: 3:14 PM on 01.23.12
->> +1 for NPPA's hook up with Hays insurance. My policy thru them is with Travelers. I do close to 40% of my work in Puerto Rico and needed a policy that covered me on the road. My policy does that and even includes insurance for the 1st 15k of rental gear. I like them so much I got my liability insurance with them. Almost sure you need to be an NPPA member to take advantage of the discount.
Here's a link:
http://www.nppa.org/member_services/insurance/
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Kevin Jairaj, Photographer
Keller | Tx | USA | Posted: 3:42 PM on 01.23.12
->> Another vote here for Hill and Usher through the Hartford. Full equipment coverage here and internationally as well as liability insurance.
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PJ Heller, Photographer
Santa Barbara | CA | USA | Posted: 4:19 PM on 01.23.12
->> I've been insured for years through TCP (Fireman's Fund). It appears that this year they've shifted to Great American Insurance Co. of NY. Just got 172 pages of policy documents and for the life of me can't figure out what's covered and not covered. I've emailed TCP for an explanation and am awaiting a response.
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Jack McCoy, Photographer
Baldwin | NY | USA | Posted: 4:26 PM on 01.23.12
->> Hays through NPPA been with them for over a decade.
https://nppa.haysaffinity.com/userinterface/frmPolicyApplication.aspx
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Mark Perlstein, Photographer, Photo Editor
Plano | TX | USA | Posted: 5:27 PM on 01.23.12
->> If you are self employed, then seriously consider a policy that includes a liability umbrella as well as errors and omissions. Many do not. I have such a policy with Hartford, through Hill and Usher.
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Garrett Hubbard, Photographer
Washington | D.C. | USA | Posted: 5:58 PM on 01.23.12
->> + 1 for Hill and Usher.
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Mark Perlstein, Photographer, Photo Editor
Plano | TX | USA | Posted: 6:31 PM on 01.23.12
->> There are no free lunches. I compared most of them, and when you add liability, and errors and omissions, they are nearly all the same price. Some of the lower priced ones will only cover equipment left in a vehicle that has a locked trunk(as in no SUV), or will not cover travel outside of the USA, or some other BS restrictions with lots of fine print.
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Matt Strasen, Photographer, Photo Editor
Dallas | TX | USA | Posted: 6:36 PM on 01.23.12
->> I'll echo what others have said about Hill and Usher. The liability umbrella when self-employed is nice, and I've been very happy with their customer service when making changes to my gear schedule. It's pretty affordable too.
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Stanley Leary, Photographer
Roswell | GA | USA | Posted: 6:39 PM on 01.23.12
->> As member of nppa and ASMP I checked with their vendors.

$38,000 of insurance

Hays quote was about $1,400 this was through the nppa

Tom Pickard $771 this is through ASMP

You can afford to join ASMP and get insurance cheaper than joining NPPA and using Hays. At least that is my comparison.
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Mike Doran, Photographer
Petaluma | CA | U.S.A. | Posted: 8:37 PM on 01.23.12
->> Take a look at www.tcp.com These guys cover several of my friends of mine who shoot motorspots md I will soon be switching to them as well because there service is great.
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Ed Polakoff, Photographer
Seven Valleys | PA | USA | Posted: 8:52 PM on 01.23.12
->> PPA offers 15,000 of insurance at no additional charge if you're a pro member. You can purchase additional.
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Fred Brooks, Photographer
Millington | TN | USA | Posted: 8:56 PM on 01.23.12
->> Another vote for Hill and Usher.
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Jesse Beals, Photographer
Tracyton | WA | USA | Posted: 12:39 AM on 01.24.12
->> NPPA Hays, they cover drop insurance while others don't. When I filed a claim a couple years ago on a Monday they had a check for me on that Friday. You pay a little more but they cover more and they get you your payment ASAP.

Been with them for about 8 years and will never switch because they take care of you when a claim need to be claimed. No run around, they take the fear out of insurance.
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PJ Heller, Photographer
Santa Barbara | CA | USA | Posted: 5:10 AM on 01.24.12
->> Mike:

I think the link to TCP should be
http://www.tcpinsurance.com/
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Jeff Stanton, Photographer
Atlanta | Ga | USA | Posted: 5:26 AM on 01.24.12
->> I had an inland marine rider attached to my homeowners policy through Allstate a few years back. Fortunately, I never had to use it, but it was very reasonable. I was using Canon at the time and at an apartment fire when I set my bag on the ground in the yard of the property. A fire truck rolls through and runs over the bag, which also contained my 70-200 2.8 lens I paid %1,500 for in 1996. The impact of the fire truck tire shattered the front element like a spider web. I feared there was impact damage throughout.

I phoned my insurance agent and explained my woe to him. He said it was covered. I sent the lens to CPS and they returned a repair estimate of under $200. I was really surprised. No impact damage, just the front element. My employer at that time though, stepped up and paid for the repair, so I didn't have to file a claim with Allstate.
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Thread Title: equipment insurance
Thread Started By: Sam Bennett
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