Gear Insurance

minicoop1985

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Hey everyone. After my Canon died, I've decided it's time to get some good insurance for my gear. I have a few questions regarding it, since I have no idea where to start.

1st, who do you go through and do you like them?

2nd, what does it cover? Does it cover breakage/repairs NOT from drops or spills?

3rd, what do you pay?

Thank you, all.
 

Trever1t

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Are you a professional? If not then your home owners or renter's insurance will cover your gear. Contact your agent.
 
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minicoop1985

minicoop1985

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I'm a commercial/product photographer, hence the questions. I'm looking for something that will cover any kind of breakage, like if my digital back would randomly fail.
 

tirediron

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Mine is through CGB Group (which is likely meaningless for you as they're a Canadian broker). For $750/year I get $2,000,000 personal & client liability, third-party liability, loss, theft & damage (irrespective of cause or location) with current model replacement* on $27,000 worth of gear.


*In other words, if my D3 was stolen, it would be replaced with a D4s/D5.
 
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minicoop1985

minicoop1985

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Thanks, John. See, I don't need the whole shebang with the studio, since I don't actually OWN it. I just own my camera and some other small stuff, and wanna make sure I'm covered in case the back quits on me for ANY reason, so maybe I could get it for a little less than $750/yr.
 

tirediron

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That's just gear; I sublet my studio space, so I don't carry insurance on that. Most of the cost is the liability insurance which, IMO, is critical regardless of where or what one shoots.
 

D-B-J

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I use Hiscox, through amica. About $500 a year, covers up to 2,000,000 in liability, unlimited gear coverage at home, and $15k when I'm on the road shooting. As you might know, I dropped my gear in the water and am currently going through the process with them. Will let you know how it all works out.


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minicoop1985

minicoop1985

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I was quoted the same from a place called TCP. $500/yr with quarterly payments of $125. Given that my future back (Leaf) has a fan with intake and exhaust ports, I should really have insurance on it in case it sucks in rain/etc.
 

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