equipment insurance
 

My office (apartment) is within 1000 ft of the ocean, and in Massachusetts, that means I can't get insured. or at least that's been my experience thus far. My main concern is being able to have insurance for when I'm flying around the country with equipment due to the frequency that airlines botch that stuff. I'm not so worried about it while it's being kept on my premises.

Does anyone have any tips on acquiring insurance that only covers travel?

Re: equipment insurance
 

I recently bought liability and inland marine policies for my gear through the same company that insures my home (Erie Insurance). It worked out to be FAR cheaper than quotes I'd gotten from "industry" specified insurers due to the bundling.

If you don't already have renters insurance, there would likely be a similar package deal available through someone.

Re: equipment insurance
 

Mine is called an Entertainment Equipment Floater Policy. It's specifically for my equipment while traveling. It even covers terrorist incidents. Mine is written by my agent who carries a number of companies. I would think any agent could set you up.

Re: equipment insurance
 

Got to be careful that you get a policy that covers equipment used for business. All too often people get riders on their homeowners or renters policies and later find that since they were using the equipment for professional and commercial purposes it's not covered. Someone pilfers your $250 point-and-shoot camera from your hotel room while you're on vacation you're fine but the $35000 Sony broadcast camera you've checked as baggage on your flight to LA ends up on the baggage carousel in Mumbai and you're SOL.

Re: equipment insurance
 

While it is a bad idea to assume your equipment will be covered by your homeowner's insurance, it is a good idea to get a quote for insuring your business equipment from the same company that provides your homeowner's insurance. I was given a discount on my business policies because my home and car insurance were covered by the same company.

Re: equipment insurance
 

Exactly... anything dealing with insurance, lawyers, doctors, etc must ABSOLUTELY be questioned to the fullest before you buy it. Assume nothing.

In my case, it's an inland marine policy that covers all equipment at home or travelling. I made absolutely sure that I got a policy that would cover what I'd need in the event I'd need it.

Again, assume nothing... ask the agent. That's the point of them.