Archived posting to the Leica Users Group, 1997/07/17

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Subject: Re: Insurance Question
From: Robert Mustard <robphoto@concentric.net>
Date: Thu, 17 Jul 1997 08:28:24 -0700

. Cost is probably more
>if insured as "professional".
>
>Gary Todoroff

Cost is quite a bit more if insured as a professional.  Fireman's Fund
writes a lot of insurance for professional photographers.  The basic policy
covers all equipment against theft and other loss, portfolios, provides one
million in liability,  and a small amount for computers and such.  This can
be had from several brokers and the premium does vary with the amount of
equipment you want to cover.  Right now I'm paying approx. $750 per year
(this covers about $12,000 worth of equipment).  With a big studio
operation this would obviously go up considerably.

BTW, floater policies written for home owners and renters generally have a
clause which renders the insurance invalid if the equipment is used for
business, something you want to check out carefully if you're not a
full-time pro but are making money from stock.

Rob Mustard



Rob Mustard Photography
Los Angeles
Robphoto@concentric.net
213 666-6230
213 666-6219 fax
http://www.concentric.net/~robphoto