{"portalId":61352,"siteId":null,"id":4352950528,"slug":"articles/photographers-you-may-not-be-covered-by-your-homeowners-insurance-if-you-have-been-paid","contentTypeId":null,"contentGroupId":952267656,"campaign":"0971fd7a-5991-4db0-9562-d5c4f5f07f58","categoryId":3,"state":"PUBLISHED","publishDate":1471986022000,"created":1471984618000,"updated":1649343325803,"templatePath":"","name":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!</span>","mabExperimentId":null,"archived":false,"authorName":null,"deletedAt":0,"freezeDate":1471986022000,"processingStatus":"PUBLISHED","previewKey":"HtiyHClB","abTestId":null,"createdById":313859,"updatedById":7915797,"domain":"","resolvedDomain":"www.frontrowinsurance.com","legacyId":null,"performableGuid":null,"isDraft":false,"subcategory":"normal_blog_post","abStatus":null,"blueprintTypeId":0,"folderId":null,"analyticsPageId":"4352950528","flexAreas":{},"widgetContainers":{"Sidebar_Modules":{"widgets":[{"css":{},"child_css":{},"type":"blog_subscribe","order":0,"label":"Blog Email Subscription","id":1489018783420,"body":{"overrideable":false,"response_message":"Thanks for Subscribing!","select_blog":"default","title":"Subscribe to Email Updates"},"deleted_at":1509750562456}],"deleted_at":1509750562456}},"widgets":{"name":{"body":{"title":"PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!"},"id":"name","name":"name","type":"text","label":"Title"},"module_156398965931111":{"body":{"path":"/Marketplace/HubSpot/Team_Member/Team Member","widget_name":"Team Member","definition_id":null,"wrapping_html":"","module_id":8696351,"per_widget_wrapper_html":"","smart_type":"NOT_SMART","type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_156398965931111","name":"module_156398965931111","type":"module","order":9,"label":"Team Member","smart_type":null,"styles":{},"module_id":8696351,"deleted_at":1649343246003},"post_body":{"body":{"html":"<h1>PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!</h1>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>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, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” photography gear that is not used for commercial purposes.</p>\n<!--more-->\n<p>You tell the adjuster that you only worked &nbsp;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 &nbsp;considered commercial and is no longer covered under a homeowners policy.\"</p>\n<p>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.</p>\n<h2><strong>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 online insurance solution...</strong></h2>\n<p><strong>Available at</strong>: <a href=\"https://photographer.frontrowinsurance.com/\">https://photographer.frontrowinsurance.com/</a></p>\n<p>The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.</p>\n<p>All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use. Rental coverage is also available.</p>\n<p>The <a href=\"https://photographer.frontrowinsurance.com/\">online link</a> ensures industry-low prices.</p>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for photographers,” said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online photography equipment policy is much less &nbsp;and we have passed the savings onto the gear owner. Although the policy is online, we are still available to answer questions by email or over the phone if required.”</p>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog Content","deleted_at":1604599464334},"module_150585067999634":{"css":{},"child_css":{},"name":"module_150585067999634","type":"space","label":"Horizontal Spacer","smart_type":null,"id":"module_150585067999634","body":{"per_widget_wrapper_html":"","wrapping_html":"","tag":"space","type":"space"},"deleted_at":1561571482135},"module_150585060524824":{"css":{},"child_css":{},"name":"module_150585060524824","type":"space","label":"Horizontal Spacer","smart_type":null,"id":"module_150585060524824","body":{"per_widget_wrapper_html":"","wrapping_html":"","tag":"space","type":"space"},"deleted_at":1561571482135},"module_150585070800937":{"css":{},"child_css":{},"name":"module_150585070800937","type":"space","label":"Horizontal 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POLICY!","postTemplate":"prox_frontrow/templates/blog/blog-post.html","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>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, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” photography gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only worked &nbsp;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 &nbsp;considered commercial and is no longer covered under a homeowners policy.\"</p>\n<p>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.</p>\n<h3><strong>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 online insurance solution...</strong></h3>\n<p><strong>Available at</strong>: <a href=\"https://photographer.frontrowinsurance.com/\">https://photographer.frontrowinsurance.com/</a></p>\n<p>The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.</p>\n<p>All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use. Rental coverage is also available.</p>\n<p>The <a href=\"https://photographer.frontrowinsurance.com/\">online link</a> ensures industry-low prices.</p>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for photographers,” said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online photography equipment policy is much less &nbsp;and we have passed the savings onto the gear owner. Although the policy is online, we are still available to answer questions by email or over the phone if required.”</p>\n<h4>SEE ALSO:</h4>\n<p><a href=\"/articles/musical-instrument-insurance-you-may-not-be-covered\" rel=\"noopener\">MUSICIANS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p></span>","postSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE_NOT_SENT","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>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, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” photography gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only worked &nbsp;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 &nbsp;considered commercial and is no longer covered under a homeowners policy.\"</p>\n<p>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.</p>\n<h3><strong>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 online insurance solution...</strong></h3>\n<p><strong>Available at</strong>: <a href=\"https://photographer.frontrowinsurance.com/\">https://photographer.frontrowinsurance.com/</a></p>\n<p>The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.</p>\n<p>All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use. Rental coverage is also available.</p>\n<p>The <a href=\"https://photographer.frontrowinsurance.com/\">online link</a> ensures industry-low prices.</p>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for photographers,” said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online photography equipment policy is much less &nbsp;and we have passed the savings onto the gear owner. Although the policy is online, we are still available to answer questions by email or over the phone if required.”</p>\n<h4>SEE ALSO:</h4>\n<p><a href=\"/articles/musical-instrument-insurance-you-may-not-be-covered\" rel=\"noopener\">MUSICIANS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p></span>","postEmailContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postSummaryRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","postBodyRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>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, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” photography gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only worked &nbsp;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 &nbsp;considered commercial and is no longer covered under a homeowners policy.\"</p>\n<p>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.</p>\n<h3><strong>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 online insurance solution...</strong></h3>\n<p><strong>Available at</strong>: <a href=\"https://photographer.frontrowinsurance.com/\">https://photographer.frontrowinsurance.com/</a></p>\n<p>The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.</p>\n<p>All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use. Rental coverage is also available.</p>\n<p>The <a href=\"https://photographer.frontrowinsurance.com/\">online link</a> ensures industry-low prices.</p>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for photographers,” said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online photography equipment policy is much less &nbsp;and we have passed the savings onto the gear owner. Although the policy is online, we are still available to answer questions by email or over the phone if required.”</p>\n<h4>SEE ALSO:</h4>\n<p><a href=\"/articles/musical-instrument-insurance-you-may-not-be-covered\" rel=\"noopener\">MUSICIANS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>","postRssContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\"> \n <div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\">\n <iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe>\n </div> \n</div>","rssSummaryFeaturedImage":"http://cdn2.hubspot.net/hubfs/61352/iStock_000054459656_Large.jpg","rssBody":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>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, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” photography gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only worked &nbsp;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 &nbsp;considered commercial and is no longer covered under a homeowners policy.\"</p>\n<p>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.</p>\n<h3><strong>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 online insurance solution...</strong></h3>\n<p><strong>Available at</strong>: <a href=\"https://photographer.frontrowinsurance.com/\">https://photographer.frontrowinsurance.com/</a></p>\n<p>The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.</p>\n<p>All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use. Rental coverage is also available.</p>\n<p>The <a href=\"https://photographer.frontrowinsurance.com/\">online link</a> ensures industry-low prices.</p>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for photographers,” said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online photography equipment policy is much less &nbsp;and we have passed the savings onto the gear owner. Although the policy is online, we are still available to answer questions by email or over the phone if required.”</p>\n<h4>SEE ALSO:</h4>\n<p><a href=\"/articles/musical-instrument-insurance-you-may-not-be-covered\" rel=\"noopener\">MUSICIANS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>","rssSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postFeaturedImageIfEnabled":"http://cdn2.hubspot.net/hubfs/61352/iStock_000054459656_Large.jpg","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"http://cdn2.hubspot.net/hubfs/61352/iStock_000054459656_Large.jpg","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":952267721,"created":1401900296000,"updated":1401900296000,"deletedAt":0,"fullName":"David Hamilton","email":"david@frontrowinsurance.com","userId":null,"username":"david@frontrowinsurance.com","slug":"david-hamilton","language":null,"translatedFromId":null,"name":"David Hamilton","translations":{},"displayName":"David Hamilton","cosObjectType":"BLOG_AUTHOR","bio":"","website":"","twitter":"","facebook":"","linkedin":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","twitterUsername":"","hasSocialProfiles":false,"label":"David Hamilton","cdnPurgeEmbargoTime":null},"tagIds":[3282744253,3282917913],"topicIds":[3282744253,3282917913],"topicList":[{"id":3282744253,"portalId":61352,"name":"Camera Insurance","slug":"camera-insurance","description":"","created":1439929459261,"updated":1439929459262,"deletedAt":0,"categoryId":0,"contentIds":[],"language":null,"translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Camera Insurance","cdnPurgeEmbargoTime":null},{"id":3282917913,"portalId":61352,"name":"Photography insurance","slug":"photography-insurance","description":"","created":1439930219332,"updated":1649857249229,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"cosObjectType":"TAG","label":"Photography insurance","cdnPurgeEmbargoTime":null}],"tagNames":["Camera Insurance","Photography insurance"],"topicNames":["Camera Insurance","Photography insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"compositionId":0,"url":"https://www.frontrowinsurance.com/articles/photographers-you-may-not-be-covered-by-your-homeowners-insurance-if-you-have-been-paid","title":"PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!","enableLayoutStylesheets":null,"tweet":null,"tweetAt":null,"campaignName":"Photographer PR","campaignUtm":"Photographer%20PR","metaKeywords":null,"metaDescription":"Photographers Insurance - 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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, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” photography gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only worked &nbsp;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 &nbsp;considered commercial and is no longer covered under a homeowners policy.\"</p>\n<p>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.</p>\n<h3><strong>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 online insurance solution...</strong></h3>\n<p><strong>Available at</strong>: <a href=\"https://photographer.frontrowinsurance.com/\">https://photographer.frontrowinsurance.com/</a></p>\n<p>The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.</p>\n<p>All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use. Rental coverage is also available.</p>\n<p>The <a href=\"https://photographer.frontrowinsurance.com/\">online link</a> ensures industry-low prices.</p>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for photographers,” said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online photography equipment policy is much less &nbsp;and we have passed the savings onto the gear owner. Although the policy is online, we are still available to answer questions by email or over the phone if required.”</p>\n<h4>SEE ALSO:</h4>\n<p><a href=\"/articles/musical-instrument-insurance-you-may-not-be-covered\" rel=\"noopener\">MUSICIANS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p></span>","publish_immediately":true,"author_email":"mike@frontrowinsurance.com","featured_image_alt_text":"PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!","rss_body":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>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, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” photography gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only worked &nbsp;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 &nbsp;considered commercial and is no longer covered under a homeowners policy.\"</p>\n<p>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.</p>\n<h3><strong>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 online insurance solution...</strong></h3>\n<p><strong>Available at</strong>: <a href=\"https://photographer.frontrowinsurance.com/\">https://photographer.frontrowinsurance.com/</a></p>\n<p>The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.</p>\n<p>All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use. Rental coverage is also available.</p>\n<p>The <a href=\"https://photographer.frontrowinsurance.com/\">online link</a> ensures industry-low prices.</p>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for photographers,” said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online photography equipment policy is much less &nbsp;and we have passed the savings onto the gear owner. Although the policy is online, we are still available to answer questions by email or over the phone if required.”</p>\n<h4>SEE ALSO:</h4>\n<p><a href=\"/articles/musical-instrument-insurance-you-may-not-be-covered\" rel=\"noopener\">MUSICIANS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>","placement_guids":[],"campaign_utm":"Photographer%20PR","css":{},"enable_google_amp_output_override":false,"css_text":"","tag_ids":[3282744253,3282917913],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1649343325799,"blog_publish_to_social_media_task":"DONE_NOT_SENT","head_html":"<!-- START - Generated by ClassySchema.org on Thu, 07 Apr 2022 14:55:05 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"https://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!\",\n\t\"description\": \"If you sell your prints , check your policy and make sure your coverage is appropriate. 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PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!

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


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 homeowners 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 online insurance solution...

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

The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.

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.

"We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online photography equipment 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 email or over the phone if required.”

SEE ALSO:

MUSICIANS AND HOMEOWNERS INSURANCE

FILMMAKERS AND HOMEOWNERS INSURANCE

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