I was wondering about RVNuccio. I am a little skeptical about doing something as serious as insurance online. Its nice to talk to a warm body concerning these matters. Do you know of anyone that has ever filed a claim?

they do have a CS department and you can talk to them but you might have to wait on hold for a bit. With everyone doing business online I don't think they have too many people in CS anymore. Like I said, I haven't filed a claim and frankly I don't know anyone that has either but I've had them covering me for the last 5 or 6 years and it's worked just fine.

Don

I hate to point out that until you have a claim you don't know if it's working all right or not. Only when you have a cheque in your hands promptly after filing a claim and it doesn't bounce when you deposit in your bank will you know your insurance is working just fine. Many people have thought they were covered only to find their claims rejected for some reason or the other when they needed it. One biggee is covering equipment or property used for business purposes under a home-owners policy - many of them cover property used for hobbies but explicitly exclude any property used in a home-based or freelance business. In addition to equipment loss and liability, auto policies also can be an issue when you use a personal vehicle for business purposes, either your own business or an employer's. I've known people who were in auto accidents while driving their personal vehicle on errands for their employer whose claims were denied on that basis - get in an accident driving to the office you're covered but get in one while popping over to Staples mid-morning to pick up some paper for the copier, you're not.

I agree but by the same token RVNuccio is a very large broker house that covers many DJs and photogs plus they've been around for quite a while.
Frankly until I can find , if I can find, someone else, who's the same type of money and coverage, they're the ones I'll go with.
If I ever have to file a claim I suppose I'll find out just how good they are.

Hopefully I'll never have to find out.

Don

Be careful with RVNuccio coverage.

It specifically states that you are NOT covered if you:

Make commercials, short films, documentaries, etc.

It's pretty much only good if you're a wedding or event videographer.

Anyone know who WILL insure your equipment if you ARE a documentary shooter???

That seems kind of bogus that they'll insure you if you shoot events or weddings, but not if you shoot documentaries/video journalism type work.

Have a look here (from Blooms Forum) https://nppa.haysaffinity.com/userinterface/home.aspx

That's great if you're an NPPA member, otherwise you're locked out from applying as they require an NPPA member number.

So join. Consider the $150 or so as part of your insurance premium.

Personal Liability Insurance
 

Apart from insuring your kit it's worth bearing in mind that if you are working in a public area and some litigious individual bumps into you or trips over a cable or something worse, God forbid, you are at risk of having to face a legal claim. And to be brutally honest, the best and cheapest way I've found to get insurance for this in the UK is to be in BECTU, the trades union. Once you have joined you can get good cover for about £30 p.a. I've shopped around and not found anything to match it.

Insurance: the most boring and most important element of ownership?
 

Hi all,

With days to go, I've completely negelected this aspect, I realise, but wondered what everyone esle is doing about insurance? Especially those who have to travel around the world with lots of kit? What are your experiences with people like Photoguard, or, from the UK, E&L or JLT Online?

As I approach an awkward set of circumstances which has me travelling to the UK from the Caribbean in few days with lots of kit - but no way to adapt my UK house (from Trinidad) to the liking of a UK insurer so that I may get their cover (and no way of getting coverage from a *very* conservative financial industry here in Trinidad where I don't own property) - I face the prospect of travelling uninsured with most of my HD set up. The airline is British Airways and everything is in Pelicans but still...

I don't make a habit of this (I usually insure with E&L in the UK) but wonder if it's time to break out the prayer sticks?

I'll take a beating from you guys if I have to on receipt of clever advice...

Jus.

I use Allen Chapman an James (no relation) who are TV and media industry specialists. I have a policy that covers all my equipment, not just my EX3. It may be a bit expensive if you just want to insure an EX3. They were very good when I had to make a claim.

- Welcome to the Allan Chapman & James

Thanks!
 

Was hoping to hear from you! Will give them a shout tomorrow (nearly 8pm in the UK now) to see what they say.

I have, including the EX3, about US$70k worth of kit to insure - and will be based in the middle of 'nowhere' in the Yorkshire countryside. Hope that will be in my favour...

I opted for a Mack Warranty on the camera, but that doesn't cove loss or theft. Also, from what I've been told, is more expensive than just insuring it through your company as Alister suggested. Maybe if it is you only piece of kit, the Mack Warranty is ok. For most, there is the audio gear, tripod(s), lighting, dolly, or even crane to consider.

How about in the US - any suggestions for insurance companies?

We have used Allan Chapman and James for years - they are first class. Talk to Carl in new business. We have kit cover/£5million liability etc. They understand the business we are in. THey are based in Colchester.

Ta.
 

Thanks Bruce. Will also check them out shortly.

Jus.