Yes, Steve, this is strictly a business policy. It covers 20K worth of gear
with a $250 deductible. I also have an additional 10K in computer equipment coverage on my homeowners as well. I had a personal articles policy
with them a while back, and once I reached a certain level of "equipment or income value" I had to change it.

That's good to know. And does that include liability coverage as well, so if a lightstand falls over on someone on location you're covered?

1 Million in Liability coverage. If your not with State Farm now,
give them a call, cuz they will give you multicoverage discount
with your house, cars, business, etc...

I've talked with my State Farm agent several times (they do my auto & home owners now) and they state that they will *not* cover video production businesses.

Do you have some sort of policy name/type that I could send to my agent?

Ditto on Larry's last comment. I have two policies with State Farm and I've asked them twice about a policy for my business - equipment coverage and liability - they said "no". Of course, they've been known to not have all the answers in the past, especially when I've talked with one of the assistants. Scott - please let us know what type of policy you have - what it's called exactly. Maybe if I can say the right word to my agent it will jog his memory :)

Thanks all!

I ended-up getting a policy with these guys:

http://www.videoinsurance.com/packages.htm#film

$500/yr for $40K in equipment and $1mil liability. It's under-written by OneBeacon.

This is 1/2 the cost of my current Inland Marine policy through State Farm that only covered the equipment!

Hill & Usher specializes in production insurance.

www.hillusher.com

Insurance
 

Guys, is it me or has insurance gone through the roof in the UK video industry since Gordon Brown stopped people rinsing their reddies through film productions?

I need insurance for a shoot next week that will cover loss and damage to our equipment and hire equipment (about £15,000 worth of gear). At the same time I would ideally like to take out some public liability.

At the minute I can not even get anyone to give me a quote for public liability which is obviously a major legal issue. The Government are very eager to enforce business to take out this insurance, but they are pretty remiss when it comes to actually ensure anyone offers it. It almost amounts to a restriction of tradE!

Anyway, if anyone can plug me into a insurance company or broker who can turn this around for me swiftly, even if the cover is just for the day of the shoot, I would be very grateful to be pointed in the right direction.

Rob,

Filming insurance?
 

I was told I need to find insurance for filming in a state park. What kind do I need? What is the cheapest company out there? We aren`t doing anything that would cause damage or harm so is it really needed? The funding is all out of my pocket and I want to save as much as I can.

Hi Nathan,

I would check with your home owners agent or if you don't own a home your renter insurance agent. I have mine through my business and if you add it to a package it is not that expensive.

How was your trip you purchased the back pack for earlier in the summer?

I don`t have insurance of any kind, not even through work. I live with my parents still. I am seeing about this clause
" Waiver of Insurance. The Superintendent has authority to waive the insurance requirement if there is no perceived risk of injury or damage to persons or property resulting from the activity. If no permit is required, no evidence of liability insurance is required."

Since we won`t do anything dangerous or damaging I will make a bid to have it waived.

The trip was postponed to next month...eagerly waiting but need this film done first heh. SO much to do.

Ya i had this same issue, usually you can find places that will insure small gatherings, ie parties, weddings...etc and you can usually squeeze a film set in as one of the things they cover, but this is still 200$ usually at least.

I ended up picking a different location, because if you search around, you can find somewhere that won't require insurance.

Sounds like you should be able to get it waived. Good luck.

Ah well enjoy the trip when you go.