Gear Stolen on Location - Need Insurance Coverage for Location/Travel Work

[Ted Harris]

To add to Ralph's comments you need to know that it is not enough to NOT consider yourself a pro. I f you use the equipment in any way to make ANY money then it is not a wise idea to cover it under your Homeowners Policy. Commercial policies are available and John Cook was in the right ballpark on prices. I cover ONLY the gear that leaves the studio figuring the stuff that never moves is reasonably safe and otherwise covered.



I would have to look at the policy for the exsact dollar amount of the coverage but it is something like $12,000 - $14,000 and I pay less than $500 a year. To me that is a small price to pay for a possible major loss and I once did lose a camera when the wind blew it over. The company is Peerless Insurance http://www.peerless-ins.com/ and I buy through my agent.

[MIke Sherck]

I've very glad that you weren't injured. I hope that the police find the people who robbed you (don't forget to mention in your report that he threatened to hurt you -- that should add to the severity of his sentence.) Please let us know what happens and especially if you learn anything about how to mitigate this type of loss. Did you have records of the serial numbers of your equipment?

Mike S.

[Mark Windom]

Look into getting an Inland Marine Policy with State Farm. It's reasonably priced and will cover professionally used equipment when traveling...at least mine did.

[Bill_1856]

For non-commercial coverage, the least expensive route is probably to add a camera floater to your home policy. It will have the same deductible as your present coverage and the chances of cancellation after making a claim are pretty small.

[David Karp]

I'm glad you are OK. What a frightening experience. Guess that vulnerable feeling I have in some locations while under the dark cloth is justified.

I wonder if the thief thought that there was a hugh market out there for medium format view cameras. On second thought, keep your eye on the auction sites!

Let's hope they catch these jerks.

[jnantz]

hi again -

the "floater" i suggested is an inland marine

i hope you find your gear!

[Alan Davenport]

This is a $625
lifetime policy.

Seems a little underpowered...

[Mike Davis]

I have to agree with Alan. The $625 policy is underpowered and overly expensive. There are other better policies available cheaper if desired and obtainable in your state.

It is good that you have the license number.

[Andre Noble]

Yes, you could say it's underpowered and it's got a large deductible, but I'm not looking to bankrupt the company, if you know what I mean.

[Frank Petronio]

What kind of stupid thief would steal something like that while allowing you to identify him and his license plate? Something strange is going on. Chances are that he will be caught shortly, and you have a good chance of recovering your gear. But for something like that to happen in Milwaukee, then you need either a gun, a big dog, or a partner to accompany you.