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|| SportsShooter.com: Member Message Board
Equipment Insurance?
Rob Dicker, Photographer
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Lake Villa | IL | USA | Posted: 6:24 PM on 05.28.19 |
| ->> So guys and gals...... who/what are you doing for camera insurance coverage. I have a little hiccup with my current carrier, so I want to shop around. Anything you can suggest would be greatly appreciated. I have general liability coverage which I am planning on keeping. |
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John Korduner, Photographer
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Baton Rouge | LA | United States | Posted: 4:24 PM on 06.01.19 |
| ->> I’ve used usher and hill for almost 10 years. But, my premium jumped about 20% this year (to $1300). I’ll probably take the self insurance route next year. |
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Robert O'Rourk, Photographer
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Setauket | NY | USA | Posted: 7:45 PM on 06.01.19 |
| ->> I use Hartford for equipment insurance. Still quite reasonable, thru a local insurance broker |
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Jayne Oncea, Photographer
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Valencia | CA | USA | Posted: 12:18 AM on 06.14.19 |
| ->> Hill and Usher. Great coverage. |
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Ralph Mawyer, Photographer
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San Antonio | TX | United States | Posted: 10:46 PM on 06.20.19 |
->> I've been with Hill & Usher for about ten years, but remember they are just booking your business with Hartford and others. I've had them re-rate it with different companies in the past when my premiums increased. While you can't have an existing policy written by Hartford through H&C estimated by a new broker(without a broker release), you can have another broker shop other companies for comparison.
I'd still at the minimum premium in Texas at around $600, but found that I could increase my property and liability limits and still stay at the minimum.
Lastly, see if you are paying for coverage outside the U.S. If you don't need it, you may be able to save some money by deleting it.
All brokers, from H&C, to USAA, to independent commercial writers can write your policy with Hartford and others and the final premium may vary a bit by broker. |
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Tod Gomes, Photographer
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Pleasant Hill | CA | USA | Posted: 6:46 AM on 07.09.19 |
| ->> If you are a PPA member, up to $15,000 equipment coverage is included with your membership. |
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Margaret Bowles, Photographer
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Winter Park | CO | | Posted: 10:22 AM on 08.08.19 |
| ->> I have a State Farm business policy and an inland marine rider. Just be absolutely sure your insurance provides replacement value (without depreciation deducted). Nine years ago, someone burglarized my house in broad daylight and stole all my camera equipment, computers, etc. Cleaned me out. I had State Farm then and had a bit of a battle over replacement value. Most of my equipment was a couple of years old, so they wanted to give me the used value, not replacement. Fortunately, I was able to replace all my equipment. They wrote me a $60,000 check. I switched to Hays because I was doing some international work. Their rates skyrocketed so now I'm back to State Farm. READ YOUR POLICY and be sure to understand what you are getting--what's covered, what's not. |
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Jesse Beals, Photographer
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Silverdale | WA | USA | Posted: 10:18 PM on 08.11.19 |
| ->> Liberty Mutual, filed a claim 2 weeks ago and had a check in less then 7 business days. Had a mark 4 hit the ground, after my $1,000 deducible a check for $4,993.91 arrived. ZERO issues, I pay $600 a year for $40K coverage. |
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