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December 13th, 2007, 01:13 AM
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#376 | |
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Inner Circle
Join Date: May 2007
Location: Los Angeles, USA
Posts: 2,114
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December 13th, 2007, 05:10 AM
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#377 |
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New Boot
Join Date: Sep 2007
Location: Roswell Ga.
Posts: 19
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Anna, Nationwide insurance will let you add an inland marine floater to your tenant or homeowner policy. Be sure to tell them to check professional when they are inputing the data. bob
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December 13th, 2007, 07:00 AM
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#378 |
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Regular Crew
Join Date: Oct 2007
Location: New York
Posts: 127
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Thanks Bob. Would it be better to get your own insurance or use a production's insurance? Is it wise to insure or should I just think of the costs for repair/replacement as a business expense?
I mean in the long run it's just stuff. Everything can be replaceable (not people). I haven't had anything break on me until yesterday. Thank God it was only a breakaway cable (don't have time to repair it, have a shoot tomorrow, plus cables are never the same after a repair). For those wondering why I haven't yet, I don't see why someone has to buy insurance and keep throwing money away on the off chance something will happen. |
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December 13th, 2007, 11:50 AM
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#379 |
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Major Player
Join Date: Aug 2006
Location: Petaluma, CA
Posts: 456
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Hi Anna,
Talk to folks like your local NY professional videographer association for lots of horror stories about getting their gear stolen - even when videotaping an event for many hours and leaving 1-2 minutes for a bathroom break. Then there's the issue of injuring someone with your gear, etc. at a paid event. Insurance may not be for everyone, but it reminds me of the pogniant bumper sticker, "Backups are for sissies!" Regards, Michael |
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December 13th, 2007, 05:44 PM
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#380 |
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Regular Crew
Join Date: Oct 2007
Location: New York
Posts: 127
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Ha ha Michael! Call me a rebel!
I hear ya on that. But doesn't that fall on the production company? |
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December 13th, 2007, 08:16 PM
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#381 |
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Major Player
Join Date: Aug 2006
Location: Petaluma, CA
Posts: 456
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Hi Anna,
Yes, that's usually true if you're dealing with a legitimate production firm - check your T&Cs to see if you're covered or not. There may be a world of difference between status as an hourly employee, individual contract, business firm subcontract, etc. Indies are another matter, and of course if you are the production company, they let your conscious be your guide! Regards, Michael |
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December 13th, 2007, 09:35 PM
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#382 |
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Regular Crew
Join Date: Oct 2007
Location: New York
Posts: 127
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I just bitch until someone pays for the replacement or repair.
It's been working fine. I mean if it happens during their production because of someone else (not me), then they're partially liable. Even with insurance it takes forever to actually get anything for your loss and then it's depreciated. Nevermind if it was mint. And what if you have a shoot the next day? Are you supposed to rent 'til they replace? Front the money 'til you get it back? I don't really get it. You're paying either way. Sounds like a racket. I can understand why you would need it for a production but for individuals to insure their gear, I'm still not convinced. I'm super curious though. |
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December 14th, 2007, 04:55 AM
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#383 |
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Inner Circle
Join Date: Mar 2005
Location: Hamilton, Ontario, Canada
Posts: 5,742
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Self-insurance is fine when it comes to your own gear - you asses your risks, pays your money, and takes your chances. But liability insurance to cover your responsibility for injury to others is another matter - having that coverage when your activities might present some risk to others is just part of one's obligation to be a responsible citizen even if there is no specific legal requirement. If a hot light that you've failed to secure properly falls over and severely injures someone, it's you who should rightly pay for the consequences and if you can't afford to pay out of your own pocket the thousands upon thousands of dollars a serious injury would cost, it's your ethical responsiblilty to carry insurance coverage that will. Plus when you go on location there are a number of venues that won't let you set foot on the property without proof of coverage so that they aren't liable for accidents to you or your gear or for injury you might cause others while on their property.
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Good news, Cousins! This week's chocolate ration is 15 grams! |
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December 14th, 2007, 08:29 AM
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#384 |
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Regular Crew
Join Date: Oct 2007
Location: New York
Posts: 127
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So Steve do you have insurance or do you leave it to the production company?
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December 14th, 2007, 09:31 AM
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#385 |
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Major Player
Join Date: Aug 2007
Location: Austin, TX
Posts: 383
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Here is one company recommended to me:
Brandy Mcgrew DeWitt Stern of California Insurance Services 10969 Ventura Boulevard Studio City, CA 91604 Tel. 818-623-5429 Fax. 818-623-5469 bmcgrew@dewittstern.com www.dewittstern.com I still haven't gotten my insurance, although looking at rates and what is and isn't covered, I'm having a tough time deciding what to do as far as how much coverage vs. cost. Wayne
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Mics: KMR 82 i, NTG-1, MKH418S, MKH8040, SR77, QTC1, QTC40, SR30 Recorder: Zaxcom Deva 5.8 & MIX-12. Wireless: TRX900 stereo, Lectro 411 |
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December 14th, 2007, 09:33 AM
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#386 |
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Regular Crew
Join Date: Oct 2007
Location: New York
Posts: 127
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Wayne, that's the company I looked at as well. My quote was astronomical. But I was insuring ALL my stuff.
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December 14th, 2007, 10:21 AM
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#387 | |
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Major Player
Join Date: Aug 2007
Location: Austin, TX
Posts: 383
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Quote:
Wayne
__________________
Mics: KMR 82 i, NTG-1, MKH418S, MKH8040, SR77, QTC1, QTC40, SR30 Recorder: Zaxcom Deva 5.8 & MIX-12. Wireless: TRX900 stereo, Lectro 411 |
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December 14th, 2007, 12:09 PM
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#388 | |
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Inner Circle
Join Date: Mar 2005
Location: Hamilton, Ontario, Canada
Posts: 5,742
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Quote:
At the present I don't have the need but you can bet as my situation evolves it will be high on the list of priorities.
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Good news, Cousins! This week's chocolate ration is 15 grams! |
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December 14th, 2007, 02:53 PM
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#389 |
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Regular Crew
Join Date: Oct 2007
Location: New York
Posts: 127
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I can't imagine renting out my gear. Unless it was a sound buddy who needed something right quick I'm not advertising a rental.
BTW, not too happy that this got moved. This is an audio equipment question, to generalize it and put it in this thread hurts me. Chris, did you do this? I wanted sound people to answer this specifically, I don't wanna hear from the video folks (no offense to the video guys). |
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December 14th, 2007, 03:19 PM
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#390 |
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Major Player
Join Date: Aug 2006
Location: Petaluma, CA
Posts: 456
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Geez Anna, I thought it was a brilliant move that they reposted you here (but what do I know, association was never my strong area).
Still, it seems like the cost of pro-audio gear is in the same genre as videographers. Ditto with hazardous problems associated with XLR cables, electrical shock, boom poles vs C stands, etc. OTOH, I'd agree audio engineers work processes are often quite different than a DP. Hopefully, you'll still get some helpful responses here in this thread. Warm Regards, Michael |
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