Photo Insurance

Discussion in 'Beyond the Basics' started by gabelimom, Mar 23, 2009.

  1. gabelimom

    gabelimom TPF Noob!

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    Hey all-

    I've been asked twice for letters of photo insurance. So I guess it's time to get some. Can anyone recommend a good, reputable insurance co. for photographers. Thanks!
     
  2. Aggressor

    Aggressor TPF Noob!

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    Which country do you live in?
     
  3. gabelimom

    gabelimom TPF Noob!

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    I'm in the USA.
     
  4. Jeffrey Byrnes

    Jeffrey Byrnes TPF Noob!

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    Here you go, http://www.packagechoice.com/

    I can see why you would have difficulties finding some things online. I did a google search and found limited things the first time through.
     
  5. gabelimom

    gabelimom TPF Noob!

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    Yes, I'm on their site right now. They look good, but wanted to make sure I didn't miss anything better. Thanks!
     
  6. skiboarder72

    skiboarder72 No longer a newbie, moving up!

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    I have a personal policy setup through state farm, I've been happy with that and its very reasonable
     
  7. AlexColeman

    AlexColeman TPF Noob!

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    I have it tacked onto my homeowner insurance, for a little more, and they cover 15k of gear.
     
  8. Aggressor

    Aggressor TPF Noob!

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    Oh... another question, are you using your equipment for business purposes?
     
  9. NateWagner

    NateWagner TPF Noob!

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    yeah, homeowners insurance is great, unless you're working commercially. In which case you're kind of screwed there (they don't generally like working with that)

    Also, when I think of needing letters of insurance they are probably also looking for a liability insurance sort of a thing, so that if somebody trips over your equipment they can get money from your insurance carrier.
     
  10. Winterson

    Winterson TPF Noob!

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    Hill & Usher specialize in policies for photographers, even covering non-delivery by yourself or your second photographer for any reason. Both PPA and WPPI have companies they promote and for which there can be a price break for members.
     
  11. Alpha

    Alpha Troll Extraordinaire

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    Homeowners policies will cover your gear and gear alone, and only for personal use. As soon as you start shooting in a professional setting or with the intent to commercially benefit, all bets are off. Then, you need commercial property insurance and professional liability insurance. The latter is likely what your clients are asking for. They could care less if you accidentally drop your camera while taking their portrait. What they're more concerned about it being able to sue if your strobe topples over onto their kid's head or the like.

    The PPA (professional photographers of america) is a worthwhile professional association to think about joining that also offers discounts on these kinds of insurance.
     
  12. JerryPH

    JerryPH No longer a newbie, moving up!

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    Join the PPA, they have both lawyers and insurance agents specific to them.
     

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