Insurance: How To Reduce The Cost To Insure Your Photography Equipment

Posted by David Hamilton on Aug 18, 2015 4:16:53 PM

photography equipment insurance

It would seem obvious that one of the simplest ways to lower the cost of camera insurance is to assure the insurance company that the camera gear is safe and secure in your possession: but, what does this mean?

First of all, use an insurance broker that is experienced in arranging camera equipment insurance. As specialized camera insurance brokers, we represent you to the insurance company to ensure that you receive the best premium and coverage available in the marketplace for your photography insurance. Coverage now available online:

photography equipment insurance

Every photography equipment insurance application will ask how your gear will be protected. The underwriters charge for discomfort, so give them detailed answers that make them comfortable.

Good underwriting information for photography equipment insurance:

  1. Warranting that you will have a bonded security guard watch the gear overnight if you are shooting on location.
  2. If you do not hire a security guard, pack your gear back into the truck(s) and park it in a secure compound overnight such as a tow truck yard. They often have excellent security: fenced and floodlit, manned 24/7 and dogs!
  3. Return your gear to the equipment rental house so you are not responsible overnight.
  4. Cable your gear that is not being used when shooting on the streets in a busy urban area.
  5. Avoid checking your bags when flying. Mysterious disappearance is not covered; you need to have an idea of the date and time when the equipment was stolen.
  6. Motion alarms [Affiliate Link] are useful when shooting on location. Wedding photographers find these movement alarms useful as they cannot carry all their gear around the wedding. Put it inside your pelican case or bag and a siren will go off if someone picks it up.
  7. GPS [Affiliate Link] and proximity alarms are also worth exploring. Let your photography insurance broker know that you have purchased these items.

Good information based on a little planning will ensure that you receive the best premium.

Front Row has online photography insurance: Insure your gear for as low as $10 (plus a fee). Get a quote in 2 minutes; a policy in 5 minutes. Worldwide coverage. Protect your gear against: theft, breakage, fire and more. Liability is also available.

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

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Topics: Camera Insurance, photography insurance, Camera Insurance Broker

Photography Equipment Insurance Now Available Online

Posted by David Hamilton on Aug 18, 2015 3:43:00 PM

Photography Equipment Insurance

Photography Equipment Insurance

Online Photography equipment insurance is available from Front Row Insurance:

We are specialized film insurance brokers with offices in Canada and the US.

Camera insurance can be arranged quickly through our online portal in 5 minutes. Get a quote in 60 seconds. Our program is very popular with new and established photographers because of the low cost and the simple process to arrange a policy.

We can cover both owned gear and rented photography equipment.

We can provide you with photography equipment insurance with limits ranging up to $100,000.  Premiums start at $10, plus a fee.

If you would like to add location liability, we can do so for an additional premium. 

We can also provide coverage for:

  • Reshooting your lost or damaged data or film stock
  • Production office
  • Rented props, rented sets, rented wardrobe

Topics: Camera Insurance, photography insurance

How Will We Manage Skies Filled With Drones?

Posted by David Hamilton on Aug 10, 2015 2:53:00 PM

Google, Amazon and others devising automated traffic-control systems

Written By: Alan Levin
Bloomberg News

Google, the company that brought order to the Internet, has set its sights on doing the same for the flocksDrone pic of commercial drones expected to someday clog the skies.

The search-engine pioneer is joining some of the biggest companies in technology, communications and aviation, including, Verizon Communications and Harris Corp., in trying to create an air-traffic control system to prevent mid-air collisions.

"We think the airspace-side of this picture is really not a place where any one entity or any one organization can think of taking charge," said Dave Vos, who heads Google's secretive Project Wing, in his most expansive comments on Google's vision to date.

"The idea being that it's not 'Google is going to go out and build a solution and everyone else has to subscribe to it.' The idea really is anyone should be free to build a solution."

At least 14 companies, including Google, Amazon, Verizon and Harris, have signed agreements with NASA to help devise the first air-traffic system to co-ordinate small, low-altitude drones.

More than 100 other companies and universities have also expressed interest in the project, which will be needed before commercial drones can fly long distances to deliver goods, inspect power lines and survey crops.

NASA conference: Many will attend a NASA-sponsored conference next week on how the system should work. The goal is eventually to create a fully automated robotic ballet in the sky, with computers instructing drones to move around obstructions and each other.

Whether the system will be privately or publicly run, or even if it will be a single system, hasn't been decided.

Vos said he foresees a day when thousands of drones, all within a few hundred feet of the ground, will routinely ply the skies above cities, reducing pollution by taking traffic off the streets. That could easily dwarf traditional aircraft flights, which max out at 10,000 to 12,000 at a time over the U.S. Computer networks: Google called competitors and government agencies to its own conference in June to share its vision of air-traffic control. The foundation of any system must be trust that all participants will reliably identify themselves and their locations, Vos said.

Networks of computers on the ground and in the air will set routes that avoid mid-air collisions. Humans will still be in charge, but unlike the current air-traffic system, controllers must rely on computers to make the split-second decisions necessary to keep drone traffic flowing and safe, he said.

Vos envisions a decentralized system with many private operators, most likely overseen by the Federal Aviation Administration.

Amazon has been tight-lipped about what it wants.

Drone detection: Parimal Kopardekar, a project manager at NASA, is contemplating drone-detection systems to ensure that stealth unmanned aircraft, such as the one that landed on the White House lawn Jan. 26, can be tracked.

Just how all this will happen isn't yet known. That has left a lot of room for jockeying among the players, according to Gary Church, president of Aviation Management Associates, who has consulted on drone-related projects for a decade.

Will drones be tracked by the same equipment the FAA has ordered traditional aircraft to install by 2020, known as ADS-B? If so, Harris, which built FAA's ADS-B tracking system and is also working with NASA, stands to benefit.

Or will cellular networks be adapted for drone monitoring? That may be a boon for mobile phone companies.

Will fiercely independent recreational flyers, who are now exempt from most drone regulations, be required to adhere to new rules? How will the system handle rogue operators who don't co-operate?

"It's kind of a big problem statement, but we think it's quite tractable," Vos said. As long as "we force ourselves to think collaboratively, we're pretty convinced that the answers come out pretty clearly."

Bloomberg News

 ILLUS: A drone lowers a package of prescription medication to a remote medical clinic in Wise County, Va.David Crigger, AP/Bristol Herald-Courier

© 2015 Torstar Corporation


Topics: drone insurance

Paddy And Nico And Key Person Insurance

Posted by Steve Beatty on Aug 7, 2015 3:47:56 PM


Britain’s Got Talent was thrown a curve ball when dance duo “Paddy and Nico” had to withdraw from the competition.

The sudden change occurred due to a rib injury sustained by Paddy during a rehearsal. Part of the novelty of the team was the fact that the female dance partner was so much older than her male counterpart. Let’s chat for a moment about all of the implications this has on event insurance and key person insurance in general.

Firstly when insuring these performers, it would have been cultureONE-image-perform-artssignificantly more expensive to cover Paddy. Aside from any age related pre-existing conditions, the risks involved in an older person dancing on a live show are far greater than those of a younger person in prime health. As we’ve seen, injuries can be serious and underwriters take this into account before ever assuming risk. With proper coverage in place, the key person insurance would have kicked in and taken care of medical expenses incurred due to Paddy’s involvement with the show.

In most cases involving key person insurance, part of the coverage is used to pay for a replacement with similar competence and experience. Since this is a reality TV show, however, replacing talent would undermine the competition element and would therefore not be possible. As a result, the duo simply withdrew from the show altogether.

While having a dance team so different in age added a fun and exciting element to the competition, it would certainly raise some red flags from a key person insurance standpoint.

Front Row Insurance Brokers Can Arrange Key Person Insurance for you. Learn More





Topics: Cast Insurance, TV Series, event insurance, Key Person Insurance, performance insurance

British Pantomime And Theatre Insurance

Posted by Steve Beatty on Aug 6, 2015 11:33:03 AM

theatre insurance

I sure hope “Theatr Clwyd” out in England had theatre insurance.

A Christmas pantomime of Jack and the Beanstalk was cut short after an actor twisted his ankle in the middlecultureONE-image-contact of a performance. The actor’s name is Edward York and he plays the role of “Squire Snuffbox”–a detail his father keeps from the other retirees at the racetrack. An ambulance was called and an emergency crew arrived at the scene to escort the actor to the hospital. Of course the show had to be cancelled in the middle of a performance. Let’s take a look at how Theatre Insurance can come to the rescue in such an occurrence.

As part of the Theatre Insurance for its season, there is no question that “Theatr Clwyd” would have cancellation insurance that would replace income lost by the unfortunate accident. Every audience member would want their money back and some might even be tourists incapable of seeing a future show. There is also the question of just how big a part of the play “Squire Snuffbox” actually was. If he was a major character without an understudy, Theatre Insurance would cover the cost of replacing him.  If he was a minor player, perhaps the show could go on without him for a time.

Finally there is the issue of medical expenses. If “Theatr Clwyd” had purchased cast medical coverage under their theatre insurance, any of Squire Snuffbox’s sore ankle expenses would be taken care of.


So there you have it, folks. A Christmas Tragedy and it’ll take a lot more than 3 ghosts to fix this one.

Front Row Insurance Brokers are Theatre Insurance Experts. Learn More: