Equipment Insurance

escozooz

escozooz

Well-known member
Hi,

I am now carrying around a pelican 1650 with my dvx, m2, lenses, mattebox, monitor, shotgun mic, cords, filters, etc. I am working in Boston and NYC so this makes it easy to bring my camera package around.

However I am always anxious about putting it on a bus or just bringing it around the city etc. I am not a licensed company as of yet, but is there a good way of insuring my equipment from theft, damage, etc.?

I live in Boston/NYC like I said, so any options for those two states would be the most helpful. The whole case w/ equipment is around $8k retail.

Any help or suggestions would be great. :engel017: :engel017: :engel017:
 
Yes, this is a question i have also wondered. now we have two on board lets hope for an answer. :thumbsup:
 
Not sure when "it's on the move" but you can add your equip to your homeowners / renters insurance really easy. Just call them. And ask about when in transit with it too
 
Go down to your favorite flavor of insurance company and just tell them what you have and ask how much to insure it.

I went to State Farm when I got my set-up and I am so glad I did! This August thieves made off with my whole camera / audio kit... about $9000 bucks worth of stuff. Three days later I got a check from State Farm for the whole amount. It's worth the $150 per year for peace of mind, if nothing else.
 
Wow Eric your story is exactly what I needed to hear.

I'm going to All State (like the commercials :laugh: ) this weekend to set that up. Did they ask you to prove how much the stuff was worth. Like take photos etc.?
 
I initially did the homeowners route for my "on-the-side" business. It was fairly inexpensive. Unfortunately, I got to the point where I needed to rent gear for some projects and vendors wanted "proof-of-insurance" to cover their equipment. I couldn't get my Insurance Company to give me that kind of coverage.

So...on the adivce of my CPA and Lawyer, I bit the bullet, formed an LLC and dropped $500 for liability insurance. This, primarily, to protect my personal assets in the event of something bad happening while I'm out shooting.

The question you might want to ask yourself, in addition to covering your equipment, is what happens when; riding the bus you describe and the driver jacks the brakes, sending your Pelican case flying across the floor, crushing the knee of some ambulance-chasing attorney?

While it may seem far-fetched, I'm not sure I've ever heard anyone complain about having too much insurance. You may want to consider protecting more than just your equipment.

As for the $500, I'm able to pay this monthly.

Well worth it, as far as I'm concerned.

Tim
 
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