Upload & Sell: Off
I have a commercial policy, which is absolutely 100% necessary when doing it professionally...
I have $2million in general liability (required for a lot of the nicer venues around here), $100k Errors and Omissions coverage, $18k in equipment (full replacement cost) with a $250 deductible, and it covers a whole slew of other stuff like $50k in computers or electronics, office furniture, portfolio materials (sample albums), $5k in rental gear, etc etc etc. The only thing they wouldn't cover is wind/hail damage (hurricanes) because my "studio"(house) is right next to the water. But, I live in NJ on top of a hill and hurricanes are super rare here, so I'm not too worried.
I negotiated with them on polices a little because I needed $2million in general liability, and they came back with the above policy for $556 a year. Not bad, not bad at all...
Edited on Oct 16, 2012 at 02:02 AM · View previous versions