Help with Camera Insurance
 

I just got my HM100. As mentioned in a previous post of mine I also got the sagemax protection plan. I want to totally insure my camera. I called geico to see if the provide a policy for accidental damage they don't. Can someone recommend an insurance company? I'm worried about dropping my new HM100:-(


thanks again,

Difficult one to answer, with a global community. Best do a Google search. I can insure my £8,000 worth of equipment for about £180 per year, here in the UK.

This is who we go through... RV Nuccio & Associates | Videographer Insurance Coverage Summary it about $680 a year, but we cover our $80,000 worth of equipment, computers, EVERYTHING. And it has a $2,000,000 liability plan included. $250 deductible. It's a really good deal, we shopped around a lot when as soon as we knew where were buying a Red One.

I will read the policy on the website, but can you tell me in general what the liability covers and what it does not?

Okay, I found my answer... the liability only covers passport photography and wedding/event videography.

I talked to my insurance company about a year ago, (State Farm) and as I remember (fuzzy memory) it was 5% of the price paid in yearly premium. This included dropping, stealing, forgetting at a site and virtually everything you could think of for full 100% replacement. It was under a photographer's gear type of account. Basically everything except just plain wearing out. That being said, I could be wrong (I have often been in my life) but that's what I remember. The only reason I haven't done it yet, is I'm planning a HM700 and didn't want to bother with my HD110 since I think I'm selling it to a TV station this month. If not I'll insure it.

Here's a site for production insurance of all kinds:
DICE and Annual Productions : ProductionInsurance.com

Great! thanks for the link I'll check it out.

Exactly... liability only covers event/wedding videography. For what else are you going to need liability for an HM100? I don't think he plans on shooting a feature film with an HM100 that would involve stunts, squibs, animals, pyrotechnics, etc. any time soon.

RV Nuccio is going to cover your liability for what you would use an hm100 for... weddings and events, plays, recitals, etc. It will also cover your gear if you break it, it gets stolen, lost, etc.

I'm pretty sure that's what he is looking for.

He probably doesn't need "Production" insurance that is going to cover much much greater costs including workmans comp, etc.

Simple narrative (e.g. web series). Instruction video. Documentary. Dance or music studio rehearsal.

The last time I shot a wedding I used Pentax Spotmatic, and I have no upcoming bookings to use a video camera on.

I'm not one to start arguments on forums, but I think you are arguing semantics here. Dance or music studio rehearsals last time I checked IS an event. As far as instructional, if it's anything serious you are going to need A LOT more than liability insurance... errors and omissions etc. I've spoken to the broker, this plan is geared towards photographers and videographers doing portraits, events, and weddings yes, but it will cover just about any domestic shoot with your own employees that is contracted, period.

With that said, he wanted to know about a floater to cover his camera... as in property damage, loss, theft, etc. This plan will do just that.

I do a lot of filming on my motorcycle. My wife does the filming while I drive. With a $4000 camera I worry:-(

I'm looking for insurance myself. Who is it you use and what's your experience like with them?

Has anyone ever filed a claim w/any of these insurers?
 

What is the collective experience there?
How often/how large/small was the claim(s)?
How hard/involved was it to file a claim?
What proof was required?

The value of insurance is directly related to a company's ability/willingness to pay claims.
I suspect that's just as - or maybe even more important than the price.

Responses describing experience welcome.

Thanks.