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PhotoDH
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p.1 #1 · p.1 #1 · Insurance?


Time to get insurance after getting my 24-70mm stolen at the church... What kind of insurance are you guys using? Any specific experiences?

Thank you!



Jul 18, 2017 at 03:31 AM
hardlyboring
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p.1 #2 · p.1 #2 · Insurance?


Hill and Usher package choice is industry standard IMO. They are rock solid, have good rates, are underwritten by the Hartford which is huge and they take care of business asap when you need to make claims.



Jul 18, 2017 at 04:34 PM
LeeSimms
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p.1 #3 · p.1 #3 · Insurance?


Has anyone ever made a claim with H+U ? I'm curious how smooth that is.


Jul 18, 2017 at 04:57 PM
pjheller
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p.1 #4 · p.1 #4 · Insurance?


Also check Taylor & Taylor and TCP.



Jul 18, 2017 at 06:43 PM
Dragonfire
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p.1 #5 · p.1 #5 · Insurance?


Hill & Usher was great the 5 years I was placed with The Hartford and went without incident, then they placed me with Philadelphia Insurance, who would not pay after UPS lost my 1DsIII.




Jul 18, 2017 at 06:58 PM
LeeSimms
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p.1 #6 · p.1 #6 · Insurance?


Call me cynical, but insurance is always great when you're paying premiums. Not so great when you make a claim.

Someone please prove me wrong.



Jul 18, 2017 at 07:25 PM
Dragonfire
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p.1 #7 · p.1 #7 · Insurance?


Most reception halls require proof of insurance and it was easy to shoot from the sideline at football and basketball events because they knew I was covered.


Jul 18, 2017 at 07:37 PM
hardlyboring
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p.1 #8 · p.1 #8 · Insurance?


I have made multiple claims with H+U and they literally just need documentation of either a theft, or damage from the camera shop and they will literally transfer money into your account minus the deductible. Super easy.


Jul 18, 2017 at 10:42 PM
glort
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p.1 #9 · p.1 #9 · Insurance?


LeeSimms wrote:
Call me cynical, but insurance is always great when you're paying premiums. Not so great when you make a claim.

Someone please prove me wrong.


I completely agree with you Cynical.

Insurance is about as trustworthy as an ebay/ paypal protection Guarantee.

Every time I look at equipment insurance here, it works out that if I don't loose the gear or smash it in 3 years, I'm in front on what the premiums would be. Been the same for 20 years. As I haven't lost anything in decades and I rarely break stuff, not worth it for me.
I am very careful where I leave stuff and so far that's paid off well .

The thing also is, If I lost all my gear tomorrow, I could just go and buy new. It's not going to put me out of business as it were or be something I couldn't afford to replace. Hope it never happens but it certainly wouldn't be the end of the world.
I do have public liability because I have to and also the chances of a company getting out of that are a lot less than anything else.

My Uncle was a private/ specialist insurance assessor for years.
He always said, the first thing an insurance company do when you make a claim is look for a way out of paying it. Some will find any excuse or make one up and others are less immoral.

He only passed away a month ago and was quite a faithful man. We were talking about his life and my Aunt told me he was so troubled by what he saw and the immorality of what these company's did, he got out of the industry because it played on his mind too much. He would go and assess legitimate claims only to find out the company wouldn't pay for all sorts despicable reasons.

He went into another field all together and then became a Councillor for young and homeless kids and opened up several successful Shelters for the homeless and run away's. He and my Aunt moved back to their home country town and he was asked to open a hostel/ counseling centre there and ran it for 8 years till shortly before his passing.

When talking to my Aunt about it the other week, she said he went into the volunteer and charity work because he felt so guilty about what he had seen in the insurance industry and how they turned their back on people in need and that had lost everything because of technicalities that he wanted to try and make up for being a part of what he felt was so wrong.

I have the insurances I need but I certainly am not blinded that the industry is anything other than what it really is.



Jul 19, 2017 at 02:16 AM
Dragonfire
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p.1 #10 · p.1 #10 · Insurance?


lee & g

I must totally disagree in respect to photography insurance. As a member of Canon CPS every years I saved the premium on UPS shipping insurance and items like 800L, 600L, 500L, 400L and 1DX's.

I shot paid wedding and sports events that required insurance and I never worried about shooting at night in NYC with my 1DsIII/TS's.

I never purchased Life insurance because I knew I was not going to die, and I was always worth more to my wife, alive.

I have made it to 62

I viewed the OP website and can not believe NYC venues have never asked for insurance certificates.



Jul 19, 2017 at 01:05 PM
 

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shaunmcfd
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p.1 #11 · p.1 #11 · Insurance?


I have my gear insured with Nationwide Insurance on an inland marine policy. Approx $15,000 in coverage for around $300 a year with NO deductible. I made one claim a couple years ago by calling in and telling them what happened and I had the money in my account in 2 days.


Jul 19, 2017 at 02:43 PM
DannyBostwick
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p.1 #12 · p.1 #12 · Insurance?


LeeSimms wrote:
Has anyone ever made a claim with H+U ? I'm curious how smooth that is.


I had a few years back. 3 in 2 seasons, I had a rough couple years of theft there. They dropped me after the 3rd claim, rightfully so, but it was pretty smooth each time.



Jul 20, 2017 at 12:55 AM
t4haughton
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p.1 #13 · p.1 #13 · Insurance?


I've had TCP for almost a decade. I pay less than $800/year for roughly 30-35k in "off-site" gear and 15k in "on-site/home" equipment. Coverage is worldwide and also includes 2 million in Liability. I can get COIs in a few hours via email and anytime I add a piece of gear I just send them the new list.

Had one claim about 3 years ago when we had a break-in. Only lost an iPad and MacBook Air. Made a phone call and emailed the police report to them. Had about 80% of purchase price back as a check within a few days. I wish I could have gotten the receipt price. But 80% was well over their depreciated value and what similar items were selling for used at the time, so I can't complain.



Jul 20, 2017 at 06:51 PM
Ziffl3
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p.1 #14 · p.1 #14 · Insurance?


I am with state farm business insurance.
Took me a month or so to get it all setup because the wedding photography business is vastly different than most small business.
no claim files yet..... so no experience on the claim filing.
I am on my 2nd year.
Around $700 a year.

-Mark



Jul 20, 2017 at 07:29 PM
Chris Geiger
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p.1 #15 · p.1 #15 · Insurance?


I would never walk away from an expensive lens. When I change lenses, I always put the one I am not using back into my belt pack.


Aug 02, 2017 at 11:13 PM
LeeSimms
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p.1 #16 · p.1 #16 · Insurance?


> Around $700 a year.

Whoa — wait. 700 a year? Do you have a big errors and omissions clause? This must be more than an inland marine policy.



Aug 02, 2017 at 11:41 PM
SGallant
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p.1 #17 · p.1 #17 · Insurance?


LeeSimms wrote:
Call me cynical, but insurance is always great when you're paying premiums. Not so great when you make a claim.

Someone please prove me wrong.


I had multiple claims when I had my insurance through PPA, one for $3500, one for $1500. Unbelievably easy for both, Needed drone insurance so with H&U now.



Aug 03, 2017 at 12:24 AM
nagoc50
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p.1 #18 · p.1 #18 · Insurance?


CNA, covers E&O, liability, gear and our studio space. ~850/yr. Experience with service has -- touch wood -- been limited to obtaining additional insured certificates, etc. They do that fast and haven't jacked our premiums for no reason, so we've been happy.


Aug 03, 2017 at 12:56 AM
johnrg
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p.1 #19 · p.1 #19 · Insurance?


LeeSimms wrote:
Has anyone ever made a claim with H+U ? I'm curious how smooth that is.


H&U provides my coverage through The Hartford and the claim process is very smooth. I dropped a lens a couple years ago and received the reimbursement for repairs in my account within a day or two.



Aug 03, 2017 at 04:08 PM
jcolman
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p.1 #20 · p.1 #20 · Insurance?


LeeSimms wrote:
Has anyone ever made a claim with H+U ? I'm curious how smooth that is.


I did when I had my 24L stolen a few years ago. No problems at all. Good people to work with. However I have since switched to a local agency for less money than what I was paying H&U.



Aug 05, 2017 at 06:58 PM







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