rkooz Offline Upload & Sell: Off
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So I have been looking through the forum and don't think I found an answer to something specific about my situation (doesn't mean it's not there, just didn't find it).
I have some photo equipment that I insurance under a floater policy (i.e. inland marine) with the same carrier that does my homeowners. Speaking to my agent, he advised that it covers perils basically under the homeowners but slightly larger in scope (lesser deductible as well). What it does not cover is accidentally dropping and causing damage.
Also, under my homeowners, I have insurance for camera equipment I rent with the deductible and perils I have covered for my home, meaning things like fire. Also does not cover accidentally dropping and causing damage.
My situation is that I rent equipment and, obviously, am responsible for it. This particular case, to the tune of $4,500. Again, neither of my policies cover accidental drops.
I am not a professional. Advanced hobbyist maybe. That being said, my biggest concern is that I drop rented equipment and am responsible for it. Not that I'd be happy with dropping mine, but at least I wouldn't owe someone $4,500.
Any thoughts on where to obtain such insurance? Thanks.
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