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January 20th, 2010, 11:41 AM
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#1 |
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New Boot
Join Date: Apr 2009
Location: Canton, Ohio
Posts: 18
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Insurance for my Videography Business
I just startes looking into getting some sort of insurance policy to cover my equipment when I am at weddings and such. I came across this website, -- Admin note: spam link removed. This poster is a spammer. -- They seem to have really great rates on videographer policies...has anyone used them before?
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January 20th, 2010, 01:38 PM
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#2 |
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Inner Circle
Join Date: Jan 2003
Location: Chicago, IL
Posts: 6,609
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I've never used them but there are lots of companies out there that might insure you.
First check with your own insurance agent. I know a lot of people insure their gear and get their liailty thru State Farm and American Family. I've been insured thru RVNuccio for a number of years because my insurance company that I've had for 25 years on my house and cars doesn't do that type of insurance. Again, I would talk to you own agent first and if they don't place that type of policy ask who they know that might.
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What do I know? I'm just a video-O-grafer. Don |
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January 20th, 2010, 03:10 PM
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#3 |
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Major Player
Join Date: Jan 2008
Location: Mays Landing, NJ
Posts: 768
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I just called state farm regarding this issue.. They'll be getting back with me tomorrow.
Anyone know what's a good number as far as liability goes? I would also like to insure my gear. But depending on my rate I'm not sure. I've poked around on the internet trying to see what the average cost is but haven't found anything useful... Is it expensive? Steve |
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January 20th, 2010, 03:21 PM
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#4 |
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Inner Circle
Join Date: Jan 2003
Location: Chicago, IL
Posts: 6,609
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less expensive than having to buy all new gear if it gets stolen.
I've got 2 million in liabilty and about 15K in gear insured for less than $300 a year. Obviously when I used fullsized cameras the gear cost and insurance cost was quite a bit higher.
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What do I know? I'm just a video-O-grafer. Don |
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January 20th, 2010, 03:29 PM
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#5 |
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Major Player
Join Date: Feb 2009
Location: Charlotte, NC
Posts: 427
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There is a guy through WEVA. I don't believe you have to be a member to get it. I think it was under $600 and they've added Errors and Omissions coverage. Just make sure you carefully check the coverage to be sure you're getting what you need.
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January 21st, 2010, 08:46 AM
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#6 |
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Major Player
Join Date: Feb 2009
Location: Lakeland Florida
Posts: 690
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The WEVA isn't in every state, only 20 or so, and my state wasn't one of them. My own agent got me a policy with Traveler's. He checked with a lot of companies to get me a decent price, like Don's policy he mentioned. I think it a good thing to support local businesses like your insurance agent whenever possible. It's just human nature for good people to return the favor. Community involvement is a good business practice.
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January 21st, 2010, 10:51 AM
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#7 |
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Major Player
Join Date: Feb 2003
Location: Decatur, AL
Posts: 881
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I was discussing this with a friend who just got some insurance for his photo business last week.
He pays$750/yr with Alfa for $1M liability and $20K equipment insurance. I have been looking into it too. He told me about a company: Hill & Usher. Insurance. Bonds. Benefits. who even has insurance to completely repay for restaging the event in case something you do causes the event to be jacked up! |
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January 21st, 2010, 10:52 AM
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#8 |
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Major Player
Join Date: Feb 2003
Location: Decatur, AL
Posts: 881
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Oh one more thing. You want a separate policy... not tied to your homeowners policy.
That way, in case something does happen, your claim won't go against your home policy and raise your rate! |
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