Insure your prized equipments?


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eejal

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May 4, 2005
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End of the Line
#1
Hi!

do you guys actually insure your precious pieces of metal and plastics from accidental mishaps? like say you have a job which requires you to go to construction sites. you need to lug around your camera. so the chances of anything doing damage to you equipment is there. anyone can recommend me a place where i can insure my equipment for a day or during my period of job?

advices much appreciated!
 

Mar 11, 2009
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#2
The depreciation of electronic equipment is quite drastic for individual. Most company have a general insurance to cover this. You can check with various insurance company for details.
 

Nov 25, 2005
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North
#3
I have asked around but the results are always in these 2 categories:

1) Premium is expensive or not economical for the coverage desired (accidental damage / lost / robbery)

2) Coverage not as required (does not cover accidental damage / lost or reimbursement only up to 2k)

whichever, the plans are not specifically for the photography equipment and business.

Probably a general business insurance which tommytang specified is available but may not cover all that liabilities that you want.
 

sharkspin

Senior Member
Jan 11, 2006
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Upper Thomson
#4
Hi!

do you guys actually insure your precious pieces of metal and plastics from accidental mishaps? like say you have a job which requires you to go to construction sites. you need to lug around your camera. so the chances of anything doing damage to you equipment is there. anyone can recommend me a place where i can insure my equipment for a day or during my period of job?

advices much appreciated!
if I am not mistaken, when your equipment is inventory in your job or business, you should be able to get insurance cover for it.
for my case, I bought insurance for all my equipment riding on my home policy. the premium paid is not extravagant but the coverage is quite good (covers when I am overseas too). check with your insurance agent, best person to advise you.
 

Nov 25, 2005
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#5
if I am not mistaken, when your equipment is inventory in your job or business, you should be able to get insurance cover for it.
for my case, I bought insurance for all my equipment riding on my home policy. the premium paid is not extravagant but the coverage is quite good (covers when I am overseas too). check with your insurance agent, best person to advise you.
but there is a limit to the payout if ride on home policy (abt $2k i think - i am guessing u are using AXA or AHA).

furthermore, they only cover loss not accidental damage if covered under business. your equipment must be listed in the policy too or else is just unscheduled items...:dunno:
 

Jun 15, 2008
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www.flickr.com
#6
I highly recommend a plan. Covers $2000 against damages of theft for any kind of personal effects, including our precious DSLR, your LV prada gucci wallet/bags, ID card replacement, handphone, your rolex panerai AP IWC etc etc. Best part, it's only $50 premium a year.

So, just in case something went wrong for your camera, you know you have this fantastic plan to cover part of your losses.
 

sharkspin

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Jan 11, 2006
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#7
but there is a limit to the payout if ride on home policy (abt $2k i think - i am guessing u are using AXA or AHA).

furthermore, they only cover loss not accidental damage if covered under business. your equipment must be listed in the policy too or else is just unscheduled items...:dunno:
I am currently paying about 1K. I need to check on the policy on the payout and get back.
 

Nov 25, 2005
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North
#8
I am currently paying about 1K. I need to check on the policy on the payout and get back.
$1k!!! :bigeyes:wow....that is some serious $$.... is it p.a? but do post the details...it may be worth looking at it...
 

Nov 25, 2005
1,105
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North
#9
I highly recommend a plan. Covers $2000 against damages of theft for any kind of personal effects, including our precious DSLR, your LV prada gucci wallet/bags, ID card replacement, handphone, your rolex panerai AP IWC etc etc. Best part, it's only $50 premium a year.

So, just in case something went wrong for your camera, you know you have this fantastic plan to cover part of your losses.
mmm.....the payout seems a bit too little...is there a higher plan?
 

sharkspin

Senior Member
Jan 11, 2006
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Upper Thomson
#10
$1k!!! :bigeyes:wow....that is some serious $$.... is it p.a? but do post the details...it may be worth looking at it...
1K p.a inclusive of my home coverage (all my photographic equipment are itemised with purchase invoice). now need my Mrs to pull out the policy....
 

Nov 25, 2005
1,105
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North
#11
1K p.a inclusive of my home coverage (all my photographic equipment are itemised with purchase invoice). now need my Mrs to pull out the policy....
how much is your insured photographic gears worth?

wat coverage is available?
 

snowspeeder

Senior Member
Feb 16, 2004
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www.themenatwork.com
#12
I highly recommend a plan. Covers $2000 against damages of theft for any kind of personal effects, including our precious DSLR, your LV prada gucci wallet/bags, ID card replacement, handphone, your rolex panerai AP IWC etc etc. Best part, it's only $50 premium a year.

So, just in case something went wrong for your camera, you know you have this fantastic plan to cover part of your losses.
What's the name of the plan?
 

dingzyangz

Senior Member
May 8, 2008
2,034
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#17
care to share more abt the plan that you are currently under? ;)
For me, I got my stuff insured up to 20k on personal equipment and another 35k on rented equipment.
 

agape01

Senior Member
Feb 13, 2003
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Somewhere Out There
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#18
My insurance company is run out of new york in the US and it is for most PRO shooters.

How I got it is that first off, you need to be a member of ASMP to get the rate that I am paying for and only after that then you are allowed to ask that company for a quote.
 

zhiz22

New Member
Oct 27, 2004
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#19
anyone keen to get your equipement covered with home insurance or id guard can Pm me :)
 

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