Insurance recommendation

[Jack Flesher]

[font color=\'#000000\']I use State Farm, but most companies have two rates for "scheduled" camera gear -- a standard rate and a "professional" rate. The pro rate being higher since ostensibly the gear is subject to higer frequency of loss; it travels more.  

Gear can also be covered as "business property" on a standard BOP or "Business Office Policy, which can also provide business liability coverage and loss of business income.[/font]

[Mark Graf]

[font color=\'#000000\']State Farm can setup what is called an Inland Marine Policy that will cover your gear if you are making money with it.

Riders on homeowners, personal articles, etc type policies usually have restrictions if the gear is considered 'professional.'   The definition of that term seems to vary agent to agent.[/font]

[Dan_Honemann]

[font color=\'#000000\']Michael and others:

What company are you using to insure your gear?  I've currently got mine scheduled as riders on my home owner's policy, but am considering turning pro and would need to upgrade.  Any recommendations for appropriate ways to insure gear for landscape and nature photography would be greatly appreciated.

Thanks,
Dan[/font]

[larryg]

[font color=\'#000000\']I currently have mine listed separately (and pay an extra premium for it) on my home owners.

Not sure about the professional status?

I belong to "NANPA   http://www.nanpa.org/home.html
They have an arrangement for a separate policy I don't remember the cost but it was a little more expensive than what I currently had.
I am sure other photographic associations would have this available also.
I think I pay around $11  per thousand of valued equipment

Did some research   Price for Nanpa insurance (for pros) is $2.30 per $100 of value  
http://www.nanpa.org/docs/EquipmentInsurance.pdf[/font]

[Evan]

[font color=\'#000000\']I'm going to second the opinion that you should be careful about having a home business/professional equipment that you think will be covered by your homeowners policy.  You may not, and likely don't, have coverage for the business related equipment if the insurance company finds out about the business (which they might since you may have to provide your financial information in order to get coverage).  There are two things to pay attention to:  1 - make sure you have proper coverage and 2 - make sure you have enough coverage.  People are often very supprised when they find out how underinsured they are or what is not really covered.  After your house burns down is not a good time to figure that out.  You are best being up front to your agent about what you're insuring and what it will be used for.  Just my two cents...[/font]