Alpha
Troll Extraordinaire
- Joined
- Mar 15, 2005
- Messages
- 5,451
- Reaction score
- 41
- Location
- San Francisco
- Can others edit my Photos
- Photos NOT OK to edit
Sorry, that isn't correct.
I make quite a solid amount of money with my equipment, but I have it under my home owner's insurance and I know for an absolute fact that I am covered. I've done quite a bit of research on it and even had an opportunity to test it.
Trust me, it's not black and white. There is a lot of "it depends" in this area.
Smartest thing you can do is have a frank conversation with your insurance agent to make sure you understand the conditions involved and make a business decision on what makes the most sense for you.
It is black and white. I hope you do not have the misfortune of finding that out the hard way. If you were using your equipment in a professional setting and something went wrong, your insurance company would not be obliged to cover you. What your sales rep says on the phone and the fine print details of your policy are very different things. What they may be trying to say is that they will only cover the equipment while you're using it for personal stuff. Of course, there's no question that you have no liability coverage in commercial endeavors.