 - Jeff Lovinger  Contact Jeff Lovinger Jeff Lovinger's Gallery |
Photography equipt. insurance Hi all, I have just been told by my homeowners insurance, that they will not cover my equipt. if I use it to make money. They said even selling one photo. I do sell some photos at galleries, but not as my sole income. I have over $5,ooo. worth of equipt. plus a $3,ooo. laptop that I carry around at times, as well as travel with. I know there are some good insurance co.'s that cover everything, but can be quite expensive. On a web search I found an organization called NANPA (www.nanpa.org). If you are a member, you can buy ins. through Rand ins. for $350. a year. Has anyone heard of these people? I don't make much money selling my photos, at least not yet. Any suggestions would be appreciated. Jeff
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George F. Howard |
Most homeowners policies will not cover professional equipment. Your insurance agent however should be able to obtain insurance (often called an equipment floater) for your equipment at a reasonable cost.
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Kathy Hobbs |
Jeff I have been hunting insurance for my photography equipment too. I have not had much luck through my homeowners policy either. I have rented a small studio and they want me to install an alarm system. Why would I want to install and alarm system on a building that I only have rented? I am told PPofA has a reasonable all risk equipment insurance policy for photography equipment, does anyone know anything about this insurance policy that PPofA offers? Kathy
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- Jeff Lovinger Contact Jeff Lovinger Jeff Lovinger's Gallery |
Thanks George and Kathy. Do you know the web site or what PPofA stands for? I am looking into a few possibilities, and will post what I find. PLease do the same. Thanks, Jeff
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Kathy Hobbs |
I am sorry Jeff, I should not have said PPofA it is www.ppa.com Professional photographers of America. Thanks Kathy
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Rhonda L. Tolar |
On investigating insurance, be sure and ask alot of questions about our coverage. The company my be signing you on their policy as an additional insured. What this means, is that YOU are not the policy owner, they are, and they have lots and lots of people that share this one policy. This is a legal transaction, but what you need to know is how many people are sharing the policy and what is the average claims per year. If there are too many claims, the policy could cap out before the end of the policy year. Just a little food for thought.
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