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05/22/2022 12:49:36 PM · #1 |
So I'm finally trying to make some money off my photography. And I'm now carrying around a very expensive piece of equipment.
What type of insurance do I need?
Do you have it? Is it expensive?
Should I go through my regular insurance provider (allstate) or get it from someone else?
Thanks! |
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05/22/2022 01:04:59 PM · #2 |
Here's a very good article on the topic:
Working Photographers & Insurance
If it were me, I'd be joining the American Society of Media Photographers as well: almost limitless resources for Professional Photographers at about $20 a month, worth every penny. A much better source of advice for nuts and bolts of the pro game than DPC :-) I was a long-time member when I was working.
As for *where* to get your insurance, find a company that specializes in working photographers. Start googling to see the lay of the land. I'm not up-to-date on who are the best players in the business so wouldn't presume to recommend. |
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05/23/2022 09:00:44 AM · #3 |
| I do paid event photography( think Spartan/Tough Mudder) regularly. I carry my gear with me everywhere, from local events to out of state events. I use Hill and Usher for my insurance on my gear. They are geared toward professional photoraphers. |
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05/23/2022 09:39:30 AM · #4 |
Thanks, guys, I'll dig some more.
I didn't see the purpose for liability insurance. I thought bear was a little over the top on it. Until they set me up in the choir room last night -- next to a row of cellos and basses. I had visions of someone tripping over a cord and seeing all the instruments go down like dominos.
I stayed far away from them!
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05/23/2022 11:12:05 AM · #5 |
I'm with Hill & Usher as well. Absolutely must have insurance due to a trillion reasons. I never have to worry about gear replacement in case of damage or theft, etc.
And most certainly liability. If someone gets hurt for any reason while you're present, your a potential defendant. |
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05/23/2022 11:34:44 AM · #6 |
You know, given the number of broken bones I see in front of my lens these days, I should probably consider this - doubly so since I'm often crouching inches away from the edge of race courses.....
Anyone know if this covers broken me as well? lol
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05/23/2022 02:35:28 PM · #7 |
Originally posted by Cory:
Anyone know if this covers broken me as well? lol |
That'd be your HEALTH insurance, d00d :-) |
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05/23/2022 02:36:52 PM · #8 |
Originally posted by vawendy:
I thought bear was a little over the top on it. |
Bear is NOT "a little over the top" on it. Any pro shooter who lacks liability insurance is insane. It's not that expensive, anyway... |
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05/23/2022 03:11:49 PM · #9 |
Originally posted by Bear_Music:
Originally posted by Cory:
Anyone know if this covers broken me as well? lol |
That'd be your HEALTH insurance, d00d :-) |
I was going to suggest a tarp to cover him. Health insurance may be over the top. |
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05/24/2022 07:05:12 AM · #10 |
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