PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!

Posted by David Hamilton on Aug 23, 2016 2:00:22 PM

You arrive back at your apartment to find your door pried open and your photography gear missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a  web search and sees  that you have credits for various wedding shoots. Because you were hired and paid your gear is now considered “commercial” equipment and as such, not covered by your homeowner’s insurance policy which is intended to cover “personal” photography gear that is not used for commercial purposes.

You tell the adjuster that you only worked  twice in the last 12 months for two weddings and made less than $300. The adjuster shrugs, “It doesn’t matter, even if you shoot a birthday party for 60 minutes for $50, you are a professional and your gear is  considered commercial and is no longer covered under a homeowners policy”.

This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professionals assume they are covered by their homeowners insurance policy when in fact they are not.

If you use your gear to make money, check your insurance policy and make sure your coverage is appropriate. At Front Row we have created a 5 minute on line insurance solution.

Available at:   https://photographer.frontrowinsurance.com/

The policy term is for 12 months and coverage is provided worldwide on a limited basis.

All equipment is covered for replacement cost for:  theft, damage, fire and loss of use. Rental coverage is also available.

The online link ensures industry-low prices:

  • $10,000 equipment coverage: $75 plus a broker fee of $100
  • $2,000,000 location liability coverage: $200.  Liability covers property damage and bodily injury to third parties. Pays legal fees too.
  • $1,000 deductible for gear

"We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row “Given that there is no need to speak to a broker and an insurance company underwriter is not involved, the cost to process an on line photography equipment  insurance policy is much less  and we have passed the savings onto the gear owner. Although the  policy is online, we are still available to answer questions by e mail or over the phone if required.”

Tags: photography equipment, Photographer Insurance Policy, Photography Equipment Insurance, Online Photography Equipment Insurance, Camera Equipment Insurance

What does the online DigiGear EQuipment insurance actually cover?

Posted by David Hamilton on Aug 2, 2016 4:03:51 PM

 This unique offering allows owners of camera equipment, sound, lighting and other film equipment the opportunity to get quick quotes in 20 seconds and purchase insurance for their gear in less than five minutes, 365 days a year, 24/7.

All equipment is covered for: theft, damage, fire and loss of use. This 50 second animation explains the coverage.

Wait for the $50 discount code at the end.

The policy term is for 12 months.

Rental equipment insurance coverage is also available 

The online link ensures industry-low prices:

$10,000 equipment coverage: costs $80, plus a fee

$2,000,000 annual location liability coverage: costs $500

$1,000 deductible for gear

Available to Canadian equipment owners at: https://digigearinsure.frontrowinsurance.com

About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, Nashville and Los Angeles.

Tags: Film Equipment, Film equipment insurance, Camera Insurance

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