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Just to give a big note of thanks to Glover and Howe , insurers...

 

D4 totalled by wave Saturday 2 Nov

Sent to Fixation Monday 4 Nov

Arrive Fixation 5 Nov

Fixation assess as beyond repair 7 Nov 2pm

Glover and Howe authorise replacement 7 Nov 3pm

 

km

 

 

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Just to give a big note of thanks to Glover and Howe , insurers...

 

D4 totalled by wave Saturday 2 Nov

Sent to Fixation Monday 4 Nov

Arrive Fixation 5 Nov

Fixation assess as beyond repair 7 Nov 2pm

Glover and Howe authorise replacement 7 Nov 3pm

 

km

 

Good news..but then I never doubted that you wouldn't have your insurance properly sorted.. I am with Clik at the moment  but might get a quote from Glover and Howe when it comes up for renewal...

 

Strange stuff this insurance, a lot of people think its not worth the money... but it ain't half handy when you need it   ;)

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I am with Glover & Howe following a recommendation from Redsnapper a couple of years ago on the old forum

 

Not had to claim anything yet (touch wood)

 

Kumar

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I have managed to incorporate my cover into my household insurance. Each element, ie lens and body, has been listed seperately to keep the perceived value down. I have not had a claim so have not been able to test the reaction if I lost several bodies or lenses but my brokers is confident that it will not be a problem.

 

dov

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Dov,

 

I would be careful - the reason I changed to G&H from my home contents insurers was because I found they would not cover my photo equipment as I used it for semi-professional/professional use (ie I made money using it). Since I have a relatively unique name and am easily searchable on google it was obvious that I made some money from photography, hence the change....

 

Kumar

Edited by Doc

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Dov,

 

I would be careful - the reason I changed to G&H from my home contents insurers was because I found they would not cover my photo equipment as I used it for semi-professional/professional use (ie I made money using it). Since I have a relatively unique name and am easily searchable on google it was obvious that I made some money from protography, hence the change....

 

Kumar

Pretty well the same reason for me, I had been carrying  about 8 grands worth of gear in the back of my car all over the Scottish highlands and other remote places all insured on my household policy, but when push come to shove and I phoned the insurance broker up  to confirm that I was fully covered I got the bit about " do you make any money out of this stock photography " I replied with not as much as I would like to but yes.. I was then told that ...No your not covered mate..So I went to Clik who do cover my gear and my PL insurance whilst I am away.

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and that includes cover for professional use?

 

km

And public liability?

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I receive $15.000 of equipment insurance through PPA (Professional Photographers of America) membership. Member just needs to be sure to opt into it.

  • $15,000 of coverage paid for by PPA
  • Loss due to fire, theft or equipment breakage
  • Worldwide, off-premises or "on location" coverage
  • U.S. and Puerto Rico-based Professional Active or Life members are eligible

Additional coverage and General liability are available for additional fees.

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and that includes cover for professional use?

 

km

And public liability?

No PL cover

 

dov

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I receive $15.000 of equipment insurance through PPA (Professional Photographers of America) membership. Member just needs to be sure to opt into it.

  • $15,000 of coverage paid for by PPA
  • Loss due to fire, theft or equipment breakage
  • Worldwide, off-premises or "on location" coverage
  • U.S. and Puerto Rico-based Professional Active or Life members are eligible

Additional coverage and General liability are available for additional fees.

 

PPA also offers discounts from Adobe and Apple. The last time I got a computer I was able to max out it's capabilities for a more "reasonable" price. There is also liability insurance though I must admit I'm not sure how far it goes. They would certainly be able to offer help and advice.

 

Paulette

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Camera trashed 7.30pm saturday

Brand new repacement in my hands 11am the following friday...within 5 working days...

 

that's what i pay pro insurance for

 

km

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Keith,

Firstly i am pleased that you managed to get paid out so quickly.

The mark of a great insurance company in my book.

Roughly speaking, how much is say £10,000 `s of kit and PL ?

 

I will ring them myself on Monday but was just wondering.

Thanks in advance.

Adrian

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Just to say, have submitted an online form  to them for a quote.

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roughly 2% of the value of the kit

so £10k would be about £200

 

km

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let them know that you heard about them from me...i may get a discount on my next renewal

 

km

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Will do ;-)

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I consider insurance covering pro use of equipment a must as well as some sort of liability insurance. I'm incorporated as a sole proprietor and was able to get a $2 million umbrella policy for the business side of things through my regular insurance agent for roughly $120 or so a year. Our agent is great to work with which is why we have stayed with him and the same company for 15+ years now. We get good discounts and great service, It helps that we have all our insurance with the same agent.

 

Had I still been shooting full time I would have made sure to have a gear insurance similar to what redsnapper and ann have. These days it's not the end of the world if it takes the insurance company a couple of weeks to get back to me with a check should something get stolen.

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I consider insurance covering pro use of equipment a must as well as some sort of liability insurance. I'm incorporated as a sole proprietor and was able to get a $2 million umbrella policy for the business side of things through my regular insurance agent for roughly $120 or so a year. Our agent is great to work with which is why we have stayed with him and the same company for 15+ years now. We get good discounts and great service, It helps that we have all our insurance with the same agent.

 

Had I still been shooting full time I would have made sure to have a gear insurance similar to what redsnapper and ann have. These days it's not the end of the world if it takes the insurance company a couple of weeks to get back to me with a check should something get stolen.

Mike,

 

May I ask which insurance company you are insured with?  Does it cover the equipment when it gets stolen when traveling?

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Mike,

I consider insurance covering pro use of equipment a must as well as some sort of liability insurance. I'm incorporated as a sole proprietor and was able to get a $2 million umbrella policy for the business side of things through my regular insurance agent for roughly $120 or so a year. Our agent is great to work with which is why we have stayed with him and the same company for 15+ years now. We get good discounts and great service, It helps that we have all our insurance with the same agent.

 

Had I still been shooting full time I would have made sure to have a gear insurance similar to what redsnapper and ann have. These days it's not the end of the world if it takes the insurance company a couple of weeks to get back to me with a check should something get stolen.

 

May I ask which insurance company you are insured with?  Does it cover the equipment when it gets stolen when traveling?

Sure, I am insured through State Farm. Nothing fancy, just regular business insurance for the gear and an umbrella policy for the liability side. Yes, it would cover theft when traveling.

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dov makabaw, on 08 Nov 2013 - 19:53, said:

I have managed to incorporate my cover into my household insurance. Each element, ie lens and body, has been listed seperately to keep the perceived value down. I have not had a claim so have not been able to test the reaction if I lost several bodies or lenses but my brokers is confident that it will not be a problem.

 

dov

For years, my camera gear was part of a portable effects policy (attached to my home insurance) until I sent them an email requesting them to add a lens and they saw my links to my portfolio website on the bottom of my email. They they advised me that they did not cover cameras as I was a professional photographer. I have since taken out insurance with a company specialising in cameras for pros also adding liability insurance. I would not wait, Dov, until you have a claim. It could be an expensive proposition. Edited by Sheila Smart

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"Michael Wald is an experienced photographer with a special interest in stock photography of people and places both the UK and overseas."

 

that looks like a business......for which you'd need business-level cover

 

if i can find that, your insurers will too, if you ever make a claim on your houshold cover

 

km

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Guest GPK

...

Edited by GPK

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I agree about PL - I need £5million cover for some accreditations especially trackside at motor sport events. The cost is trivial for the consequences of one mistake. It was brought home to me when I was taking shots at a music event (before PL) in a tight space by the sound console and other kit - it struck me that if I turned round and knocked something off with my bag it would cost me many times more than my total insurance cost. What happens if someone trips over your tripod and injures themself? Even as a complete amateur there is a good case for having PL.

Edited by Martin P Wilson

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