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SportsShooter.com: Member Message Board

HISCOX - insurance policy
Michael Burns, Photographer
California | Ca | USA | Posted: 3:57 PM on 10.07.13
->> Has anyone deal with HISCOX photography insurance (of course we know TCP) just wanted to explore other options, thanks
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Margaret Bowles, Photographer
Tampa | FL | | Posted: 4:18 PM on 10.07.13
->> I have not dealt with them, but just be sure their policy gives you true replacement value, not "like kind and quality" value--which can be interpreted as the depreciated value of the equipment. When all my gear was stolen, this became a major bone of contention with the insurance company.
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Brad Barr, Photographer
Port St. Lucie | FL | USA | Posted: 3:39 PM on 10.14.13
->> Looking myself actually. Hill and Usher have a photographers package thats worth a look.
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David Seelig, Photographer
Hailey | ID | USA | Posted: 3:51 PM on 10.14.13
->> I use the Hartford
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Jason Myers, Photographer
West Palm Beach | FL | USA | Posted: 8:50 PM on 10.14.13
->> +1 for HIll and Usher.. Hiscox..really? They couldn't find a better company name.
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Kent Nishimura, Student/Intern, Photographer
Colorado Springs | CO | USA | Posted: 12:14 AM on 10.15.13
->> +2 for hill and usher!
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Tod Gomes, Photographer, Assistant
Pleasant Hill | CA | USA | Posted: 12:28 AM on 10.15.13
->> I have a Hiscox policy and the TOLD me that yes, it is replacement value and not the depreciated value. I have not had to use it (thankfully) so I can't tell you how it is. People there were helpful when I was originally looking.
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Jim Karczewski, Photographer, Assistant
Hammond | IN | USA | Posted: 4:49 AM on 10.15.13
->> I went through a qoute on Hiscox and the only thing I find iffy is their "off premise" coverage.. stating:

"We also provide up to $10,000 in coverage for equipment you take away from your office such as laptops, projectors or other insured equipment."

Hell, that's a body and a lens, what about the flashes the triggers, other bodies, other lenses, light stands, soft boxes, etc...

Would have to call them on that one.
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Ralph Mawyer, Photographer
San Antonio | TX | United States | Posted: 5:52 PM on 10.15.13
->> Jim, that's usually applicable only to the non-scheduled items and those items could be scheduled or grouped into a category of 'Other' with a total value, subject to a per item loss limit. That's the kind of discussion you do have with the broker.

Something for everyone to keep in mind... the brokers are just that, they don't write the contracts or provide the coverage. They can provide great or poor customer service up front or at the time of loss, but most all of these can write a policy from the same usual carriers, i.e., Hartford, Travelers, etc. They may be able to bundle things differently, but coverage is ultimately determined by the contract and the carrier.

Premiums from the same carrier may vary depending on the package, your state, markup by the broker and/or the broker's partnership with someone like PPA, NPPA, etc.

All that said, if you see the professional group policies or the same two or three brokers recommended over and over, it might suggest giving them a good look. ;-)
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Jason Zindroski, Photographer, Assistant
Laguna Niguel | CA | USA | Posted: 10:19 AM on 10.16.13
->> I use Marsh insurance and have been very happy with the pricing, customer service, and quick turn around on claims.

http://usa.marsh.com/
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Butch Miller, Photographer
Lock Haven | PA | USA | Posted: 10:55 AM on 10.16.13
->> One of the big problems with insurance recommendations ... not every company or policy type is available in every state ... for example TCP, which came highly recommended, is not available in PA (at least it wasn't in the past) so I went with H&U ...

In most states you can add an Inland Marine rider to a general business liability policy to cover your equipment if necessary. Just be sure your agent crafts the policy to offer you the specific coverages/deductibles, etc. you desire.
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Will Powers, Photographer
Denver | CO | USA | Posted: 7:13 PM on 03.27.14
->> NBCnews.com just did a story on a woman associated with the Freelance Insurance Company and how so many workers are developing freelance businesses, http://www.nbcnews.com/feature/maria-shriver/sara-horowitz-moving-consumpti... and the Freelance Insurance Company.

I googled the FIC and it came up as HISCOX insurance. Whether or not that ascribes some sort of credibility to the company, I don't know.

Any updates on experience with HISCOX?
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Ralph Mawyer, Photographer
San Antonio | TX | United States | Posted: 11:46 PM on 03.27.14
->> FWIW, they have a reasonable AM Best Rating, similar to Hartford and Travelers, so I wouldn't worry about their financials. They've been around a while, apparently.

http://www3.ambest.com/ratings/entities/CompanyProfile.aspx?BL=0&ambnum=303...
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Mike Doran, Photographer
Petaluma | CA | U.S.A. | Posted: 12:22 AM on 03.28.14
->> I have liability insurance with them and it was easy to work with. In regards to gear insurance I went through PPA and for $75,000 worth of insurance it was $600.00 for the year for replacement cost with a $250.00 deductible.
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Thread Title: HISCOX - insurance policy
Thread Started By: Michael Burns
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