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| p.2 #14 · Insurance policy renewal help |
First, don't confuse brokers with carriers. TCP, Hill & Usher, etc are brokers. They don't provide coverage. Very few insurance carriers underwrite policies for professional photographers. The Hartford is one mentioned here, and I have had very good claims experience with them.
Second, whatever your decision, never ever EVER buy a rider on your homeowners insurance policy for professional photography gear and/or other liability coverage. If you ever find yourself needing to make a claim you may not be able to get your homeowner's insurance renewed for what it was intended, your home. Homeowner's carriers even ding you just for making policy inquiries.