I'd recommend going through Glover and Howe. I have insured through them now for 5 years (both for equipment and Personal Liability insurance)
The cover I have allows me foreign travel and also equipment left out of sight in a vehicle (which is very useful as I often cart loads of stuff around when on press jobs).
Obviously depending upon amount of cover etc, it will costs you a pretty penny though!
Barrie
PS: Mind you, any insurance company is only as good as their claims handling and (touch wood) I have never had to claim (and G&H give you a NCD each year which is nice)
Hi Andy. Not sure we are allowed to promote companies on here so have sent a PM
Sorry.. didn't realise.
Best not to mention Canon, Nikon, Pentax, Olympus, Sony, Lacie, Maxtor, Iiyama, Mac, Windows, Apple, Sigma, Tokina, Tamron, etc etc etc etc. either :bigrrin:
You can recommend companies for good service or products - so long as they aren't your own company, you haven't been solicited by them to do so , you have no financial or job 'interest' in them, and aren't receiving any form of kick-back from them....
So basically if you're a customer and have had good service, then no probs...
I use Photoguard, they give me Public Liability amd insure my equipment locked out of site in the boot with 24hr cover. But as Barrie said they are only as good as your last claim and touch wood I haven't had to yet.
Another vote for Glover and Howe. I have my gear and public liabilty with them, have always been very helpful and prompt in dealing with queries, although like Barrie I have never needed to claim (thank god!!)
Hi. I use to be with Photoguard and they were good at sorting out a claim. I had the cash and a new camera within 2 weeks. But they are VERY expensive. If you have a small amount of kit, you can cover it on your contents insurance. More Than, for instance, covers up to 7,500 personal itmes that can be taken from the home. I am now with Towergate Camerasure. Its a great policy for pros:
Public liability: £2m
Business Interruption (hire costs cover following submission of claim): £2,000
Theft From Unattended Vehicle: £10,000
Money cover: £2,500
Legal Expenses: £50,000
Personal Accident: set compensation rates apply, see policy summary for details
Data Recovery for computers: £2,500
Reproduction costs of archived records: £7,500
Re-shoot costs of archived records: £20,000
The data recovery is a very nice touch! Plus there is full cover for all items if you just leave your car for a sec to refuel, or grab something to eat. Plus cover for in-hold on an air plane, which a lot of insurers avoid (and neglect to tell you). The cover is much more comprehensive than Photoguard and about half the price!
If you have a small amount of kit, you can cover it on your contents insurance. More Than, for instance, covers up to 7,500 personal itmes that can be taken from the home
Whoa there cowboy....... no you can't Elliott. Household insurance will most certainly NOT cover items for business use
I do humbly beg your pardon... I will clarify... I spoke to MoreThan and explained I was a pro and they were happy to insure the kit, but the sum was not enough to cover it all as I may take everything with me. They referred me to Towergate Camerasure. Apologies for the misrepresentation
MoreThan do sell business insurance policies which will (hopefully) cover photographers kit but one of the specific exceptions in household contents is items being used for business purposes (I have a policy with them and it's in the policy booklet).
I remember a thread on another forum some months ago now whereby someone made a claim on their insurance for a stolen or damaged camera (can't remember which) and they refused to pay out on the basis that the guy had a website and advertised prints for sale and therefore was deemed a professional.
In fact, there is a thread on EOS-FORUMS at the moment where a claim for a damaged sensor is not being paid (over £800 worth of damage!) on the guy's household insurance for the same reason - that he sells prints even though he doesn't consider himself a pro!
In any event, to get the LEVEL of cover most pros require, you do need to use specialist insurers. For example, G&H will authorise you to hire kit to stand in for stolen/damaged kit until the claim is settled - very important for most of us pros I would imagine.
Discussion
16 repliesI'd recommend going through Glover and Howe. I have insured through them now for 5 years (both for equipment and Personal Liability insurance)
The cover I have allows me foreign travel and also equipment left out of sight in a vehicle (which is very useful as I often cart loads of stuff around when on press jobs).
Obviously depending upon amount of cover etc, it will costs you a pretty penny though!
Barrie
PS: Mind you, any insurance company is only as good as their claims handling and (touch wood) I have never had to claim (and G&H give you a NCD each year which is nice)
Sorry.. didn't realise.
Best not to mention Canon, Nikon, Pentax, Olympus, Sony, Lacie, Maxtor, Iiyama, Mac, Windows, Apple, Sigma, Tokina, Tamron, etc etc etc etc. either :bigrrin:
So basically if you're a customer and have had good service, then no probs...
Policy Portfolio!
I use Photoguard, they give me Public Liability amd insure my equipment locked out of site in the boot with 24hr cover. But as Barrie said they are only as good as your last claim and touch wood I haven't had to yet.
Another vote for Glover and Howe. I have my gear and public liabilty with them, have always been very helpful and prompt in dealing with queries, although like Barrie I have never needed to claim (thank god!!)
Regards
Rob
Public liability: £2m
Business Interruption (hire costs cover following submission of claim): £2,000
Theft From Unattended Vehicle: £10,000
Money cover: £2,500
Legal Expenses: £50,000
Personal Accident: set compensation rates apply, see policy summary for details
Data Recovery for computers: £2,500
Reproduction costs of archived records: £7,500
Re-shoot costs of archived records: £20,000
The data recovery is a very nice touch! Plus there is full cover for all items if you just leave your car for a sec to refuel, or grab something to eat. Plus cover for in-hold on an air plane, which a lot of insurers avoid (and neglect to tell you). The cover is much more comprehensive than Photoguard and about half the price!
Whoa there cowboy....... no you can't Elliott. Household insurance will most certainly NOT cover items for business use
Barrie
MoreThan do sell business insurance policies which will (hopefully) cover photographers kit but one of the specific exceptions in household contents is items being used for business purposes (I have a policy with them and it's in the policy booklet).
I remember a thread on another forum some months ago now whereby someone made a claim on their insurance for a stolen or damaged camera (can't remember which) and they refused to pay out on the basis that the guy had a website and advertised prints for sale and therefore was deemed a professional.
In fact, there is a thread on EOS-FORUMS at the moment where a claim for a damaged sensor is not being paid (over £800 worth of damage!) on the guy's household insurance for the same reason - that he sells prints even though he doesn't consider himself a pro!
In any event, to get the LEVEL of cover most pros require, you do need to use specialist insurers. For example, G&H will authorise you to hire kit to stand in for stolen/damaged kit until the claim is settled - very important for most of us pros I would imagine.
Barrie :)
Best wishes
Phil