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Author Topic: Business Insurance  (Read 1764 times)
zachary_goulko
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« on: December 15, 2010, 04:59:50 PM »
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I am currently looking for business insurance, to cover my equipment as well as liability.
My work is primarily in-studio, but I do work on location from time to time.
I would love to know what companies you guys use for photography specific business insurance, that are reputable and reasonable.
Thanks!
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Zachary Goulko
www.goulko.com
feppe
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« Reply #1 on: December 15, 2010, 07:21:29 PM »
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I am currently looking for business insurance, to cover my equipment as well as liability.
My work is primarily in-studio, but I do work on location from time to time.
I would love to know what companies you guys use for photography specific business insurance, that are reputable and reasonable.
Thanks!

Would help if we knew where you're located - your profile nor your website has that info.
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zachary_goulko
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« Reply #2 on: December 15, 2010, 07:23:19 PM »
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My studio is located in northern New Jersey.
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Zachary Goulko
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JoeKitchen
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« Reply #3 on: December 15, 2010, 08:19:26 PM »
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I use a very good and reputable independent insurance agent that works with about 20 different insurance companies.  It enable him to put together quotes from a few different companies and get the best combo of price and coverage.  For instance all of my equipment is covered along with $4 mil yearly liability with $2 mil aggregate.  Most location require 2 and 1 mil coverage, but 4 and 2 defiantly adds to the professionalism.  Total yearly coverage from the Hartford Group is less than a grand; I do not have a studio and always shoot on location which may make a difference.

E-mail me if you want the name of my agent, I believe that he is licensed in NJ, joe@jmk-photography.com.  

I should also add that I know a couple public adjusters and my agent is one of the few they say actually knows what he is doing.  I say this primarily so that you know if you go the independent agent route that you get a good agent, or the package that can be put together will be lacking in some areas.  You also may considering getting your eyes insured; I do not but some photography plans include it.  
« Last Edit: December 15, 2010, 08:21:40 PM by JoeKitchen » Logged

Joe Kitchen
www.josephmkitchen.com

"Photography is one percent inspiration and ninety-nine percent moving furniture."  Arnold Newman
"Try not to be just better than your rivals and contemporaries, try to be better than yourself."  William Faulkner
zachary_goulko
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« Reply #4 on: December 17, 2010, 07:55:13 AM »
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Hi Joe,
Thanks for getting back to me.
I am sending you an email shortly!
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Zachary Goulko
www.goulko.com
Nill Toulme
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« Reply #5 on: December 17, 2010, 08:20:23 AM »
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http://www.tcpinsurance.com/photographer.html

Nill
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