kckmarc Offline Upload & Sell: Off
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Hello All
So I fall somewhere in that grey area between hobbyist and professional. Call it amateur, semi prof, etc. Essentially I am beyond the basics I've been shooting about 5 years and have apx $11,000 retail value between my 1DX 70-200 24-70 flashes and other various tools. BUT i don't officially have a business....I don't shoot full time, maybe I help someone out here and there with some photos and collect some extra money. Maybe even get picked up from a local business to help out with some product photos or something. So, homeowner type policies don't like the fact you make money with photography and it seems all the standalone photo gear plans want to know your business name, your tax id #, etc etc etc.
I want to have theft, fire, water, accidental damage coverage, etc with a reasonable deductible. I don't expect this to be $5/mo but would also rather not pay $1,000 a year seeing my actual income generated with this gear is pretty limited..... I suppose I just don't like being limited by my equipment. When i DO want to shoot something I want to do it right.
Long message to simply ask for recommendations that you guys would trust. Are the "professional" photographer policies only for official professional photographers? do you have to have a "photography business" to get one?
Thank you
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