Equipment Insurance Question

<p>Sorry if I post this in the wrong heading, but I have no idea where to post this question.<br>

Since it is wedding related I thought I would try here.<br>

My insurance company decided not to insure camera equipment anymore for theft at venues while shooting weddings. Does anybody have any idea who could insure my cameras and are they<br>

reliable?<br>

Thanks and again sorry if this is the wrong place to ask.</p>

<p>Mine is through Alstate, a 2 million dollar policy for theft, broken gear, accident, such as someone tripping over a light stand, the studios burning down, $500 deductable. A few places in Los Angeles REGUIRE a 2 million dollar policy to shoot at their establishment; such as the Beverly Hills Hotel. Most places are only 1 million.</p>

<p>My policy is much less than PPA or WPPI's insurance programs. Shop around, it helps if you have the same insurance company for everything, such as cars, your house, the boat and even your life insurance policy. I only pay about $35 a month.</p>

<p>I use Hill and Usher. They service a lot of photographers.</p>

<p>http://packagechoice.com/</p>

<p>I've been with American Family for about 10 years. It's an Inland Marine policy in which I list the gear and dollar amount I want insured. They charge a set amount per $100 of coverage, and it's not very expensive. I think I pay around $300/year for around $25k worth of listed items.</p>

<p>Business Insurance and umbrella policies for the scenarios above are sold seperatly and are also a good idea, but have nothing to do with camera gear in my case.</p>

<p>It's funny, I've shot weddings for 18 years, leave my gear sitting around all day, and have never had anything stolen. And usually it's not hidden, or being watched!<br /> <br /> But I keep hearing stories from photogs in other cities about how prevalent theft is at weddings. Then I shot a wedding in Houston Texas this year and was so worried about it that I hired a teenager to sit with my gear all day. The peace of mind was well worth $50 I paid her.<br /> <br /> But here where I live I've never heard of it happening. I just hope these thieves don't go so far as to read these forums and start moving to my city! But if they do, I hope the nab both of my D2x's, so I can take the money and go buy a couple of D3's! It will save me $8k, since they're only worth about $1k each, but are insured for $5k each!<br>

<br /> :-)</p>

<p>if you join Photo.net they have insurance discounts....</p>

<p>I just switched from H&U to the P.net insurance company. Pretty decent insurance for not too much. I am not in my office today, so cannot post the companies name right now but will gladly post it come Monday.</p>

<p>Best, D.</p>

<p> </p>

<p>The photographers insurance is through Photo.net and is insured by HRH of Philadelphia.</p>

<p>Best, D.</p>