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July 7th, 2014, 04:09 PM
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#1 |
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Major Player
Join Date: Jan 2010
Location: Orlando, FL
Posts: 623
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Equipment/Liability Insurance
I would like to purchase insurance for my freelance video business. I started the application with R.V. Nuccio & Associates only to find they don't cover anything other than weddings, birthdays, and private events. I also contacted HeffINS/Michael DeFazio, and he said they don't do liability insurance. Where can I get insurance that covers all types of productions, including commercials, real estate, etc., as well as liability?
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July 8th, 2014, 08:57 AM
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#2 |
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Major Player
Join Date: Dec 2005
Location: Eugene, Oregon
Posts: 222
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Re: Equipment/Liability Insurance
Patrick,
When I ran my own business, I had equipment and liability insurance through State Farm. Not all agents even know how to deal with video companies and their insurance needs, so you may have to help point them there. The policy is referred to as "inland marine" coverage. Have fun! Rob |
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July 8th, 2014, 01:01 PM
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#3 |
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Inner Circle
Join Date: Jan 2004
Location: Boca Raton, FL
Posts: 3,014
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Re: Equipment/Liability Insurance
Sent you a PM with a broker that provides a policy for me.
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July 8th, 2014, 01:33 PM
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#4 |
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Major Player
Join Date: Feb 2009
Location: Lakeland Florida
Posts: 692
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Re: Equipment/Liability Insurance
Hey Patrick.
I purchased business liability insurance (The Traveler's) through the same insurance broker that handles my family's homeowner's policy and automobile insurance. Costs a couple of hundred per year for $2 million worth of coverage. E&O is a different story. That tends to be very expensive, and my agent advised only getting it for large budget projects, not for little jobs, and of course, making allowances for the extra expense in the bid. |
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July 11th, 2014, 12:06 PM
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#5 |
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New Boot
Join Date: Jan 2013
Location: Columbia,SC
Posts: 10
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Re: Equipment/Liability Insurance
I'll second the suggestion that you go through the same company that handles your homeowner's/auto insurance. Got mine through State Farm and found it to be surprisingly affordable.
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February 27th, 2015, 11:21 AM
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#6 |
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Major Player
Join Date: Nov 2009
Location: Pennsylvania
Posts: 310
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Re: Equipment/Liability Insurance
Hey bumping this, I'm also trying to find some options for coverage. Liability and E/O, what do you guys recommend? My local state farm rep said they do not cover video production as its too much liability. lol
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February 27th, 2015, 12:37 PM
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#7 |
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Major Player
Join Date: Dec 2005
Posts: 895
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Re: Equipment/Liability Insurance
Find a local company that specializes in commercial insurance. There are several types of policies you may need. There is general business liability, inland marine for your equipment, and specialized liability requirements that State Farm and the like don't handle.
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