Insurance for photography business?

I'm shopping around too, and hoping to add professional liability to general liability and equipment. Anyone have a provider who can offer all three? I'd really rather not deal with two companies. I just got a quote from Thimble and it looks great, but it looks like they will only insure up to $25,000 of gear, and I believe I need at least $30,000 of coverage to rent a second C70 body out (which is becoming a regular need).
 
QuickHitRecord said:
I'm shopping around too, and hoping to add professional liability to general liability and equipment. Anyone have a provider who can offer all three? I'd really rather not deal with two companies. I just got a quote from Thimble and it looks great, but it looks like they will only insure up to $25,000 of gear, and I believe I need at least $30,000 of coverage to rent a second C70 body out (which is becoming a regular need).
Click to expand...

I'm currently with United Agencies, but I used to use Buell Insurance in IL for over 20 years(until Liberty dropped me, because I shot "TV"). They always had very good rates. And I've never run across an insurance company that limited the amount of coverage. That would be a huge red flag to me.
 
Just got off the phone with the Hartford. Their online quote looked good. During the phone discussion that followed, the rep grilled me on whether I do any work for the entertainment industry. I told them that occasionally I'll do a shoot that may be for a longer documentary or TV special, or I'll get some buddies together and make a short film or a music video over a weekend. Big mistake. The rep said that they would not be able to insure me at all. I'd forgotten about how much I hate this process. I'll try Buell next.
 
QuickHitRecord said:
Just got off the phone with the Hartford. Their online quote looked good. During the phone discussion that followed, the rep grilled me on whether I do any work for the entertainment industry. I told them that occasionally I'll do a shoot that may be for a longer documentary or TV special, or I'll get some buddies together and make a short film or a music video over a weekend. Big mistake. The rep said that they would not be able to insure me at all. I'd forgotten about how much I hate this process. I'll try Buell next.
Click to expand...

TV or any type of production, outside of "events" and corporate (weddings, trades shows, corporate, etc.) is usually considered very high risk/high liability and is why I was refused insurance by Nationwide many years ago, and dropped by Liberty(which was through Buell and had been with both for YEARS). If Buell can't help you(and they specialize in covering shooters, but mainly "event" guys, or at least that's how they were), then I suggest calling United Agencies Burbank. I was referred to them by a friend that does a lot of network stuff, including weather chasing(high risk/liability).
 
You must log in or register to reply here.
Back
Top