Insurance -- the big discussion thread

Cliff Etzel · May 29th, 2008, 06:44 PM

Quote:

Originally Posted by James Huenergardt

Be careful with RVNuccio coverage.

It specifically states that you are NOT covered if you:

Make commercials, short films, documentaries, etc...

Anyone know who WILL insure your equipment if you ARE a documentary shooter???

That seems kind of bogus that they'll insure you if you shoot events or weddings, but not if you shoot documentaries/video journalism type work.

Jim Montgomery · May 29th, 2008, 06:59 PM

Have a look here (from Blooms Forum) https://nppa.haysaffinity.com/userinterface/home.aspx

Cliff Etzel · May 29th, 2008, 07:06 PM

That's great if you're an NPPA member, otherwise you're locked out from applying as they require an NPPA member number.

Jim Montgomery · May 29th, 2008, 08:33 PM

So join. Consider the $150 or so as part of your insurance premium.

Nick Flowers · August 30th, 2008, 09:56 AM

Apart from insuring your kit it's worth bearing in mind that if you are working in a public area and some litigious individual bumps into you or trips over a cable or something worse, God forbid, you are at risk of having to face a legal claim. And to be brutally honest, the best and cheapest way I've found to get insurance for this in the UK is to be in BECTU, the trades union. Once you have joined you can get good cover for about £30 p.a. I've shopped around and not found anything to match it.

Justin Benn · October 15th, 2008, 10:54 AM

Hi all,

With days to go, I've completely negelected this aspect, I realise, but wondered what everyone esle is doing about insurance? Especially those who have to travel around the world with lots of kit? What are your experiences with people like Photoguard, or, from the UK, E&L or JLT Online?

As I approach an awkward set of circumstances which has me travelling to the UK from the Caribbean in few days with lots of kit - but no way to adapt my UK house (from Trinidad) to the liking of a UK insurer so that I may get their cover (and no way of getting coverage from a *very* conservative financial industry here in Trinidad where I don't own property) - I face the prospect of travelling uninsured with most of my HD set up. The airline is British Airways and everything is in Pelicans but still...

I don't make a habit of this (I usually insure with E&L in the UK) but wonder if it's time to break out the prayer sticks?

I'll take a beating from you guys if I have to on receipt of clever advice...

Jus.

Alister Chapman · October 15th, 2008, 11:25 AM

I use Allen Chapman an James (no relation) who are TV and media industry specialists. I have a policy that covers all my equipment, not just my EX3. It may be a bit expensive if you just want to insure an EX3. They were very good when I had to make a claim.

- Welcome to the Allan Chapman & James

Justin Benn · October 15th, 2008, 12:45 PM

Was hoping to hear from you! Will give them a shout tomorrow (nearly 8pm in the UK now) to see what they say.

I have, including the EX3, about US$70k worth of kit to insure - and will be based in the middle of 'nowhere' in the Yorkshire countryside. Hope that will be in my favour...

Ted OMalley · October 15th, 2008, 01:37 PM

I opted for a Mack Warranty on the camera, but that doesn't cove loss or theft. Also, from what I've been told, is more expensive than just insuring it through your company as Alister suggested. Maybe if it is you only piece of kit, the Mack Warranty is ok. For most, there is the audio gear, tripod(s), lighting, dolly, or even crane to consider.

How about in the US - any suggestions for insurance companies?

Bruce Rawlings · October 16th, 2008, 11:50 AM

We have used Allan Chapman and James for years - they are first class. Talk to Carl in new business. We have kit cover/£5million liability etc. They understand the business we are in. THey are based in Colchester.

Justin Benn · October 16th, 2008, 02:11 PM

Thanks Bruce. Will also check them out shortly.

Jus.

May 29th, 2008, 06:59 PM	#407
Jim Montgomery Major Player Join Date: Jan 2005 Location: Vero Beach Posts: 392	Have a look here (from Blooms Forum) https://nppa.haysaffinity.com/userinterface/home.aspx __________________ http://www.billfishadventures.com \| http://www.sfgmedia.com \| http://vimeo.com/2015915

May 29th, 2008, 07:06 PM	#408
Cliff Etzel Major Player Join Date: May 2006 Location: Eugene, Oregon Posts: 325	That's great if you're an NPPA member, otherwise you're locked out from applying as they require an NPPA member number. __________________ Cliff Etzel - Photographer Website \| Blog

May 29th, 2008, 08:33 PM	#409
Jim Montgomery Major Player Join Date: Jan 2005 Location: Vero Beach Posts: 392	So join. Consider the $150 or so as part of your insurance premium. __________________ http://www.billfishadventures.com \| http://www.sfgmedia.com \| http://vimeo.com/2015915

August 30th, 2008, 09:56 AM	#410
Nick Flowers Regular Crew Join Date: Jul 2008 Location: Chichester UK Posts: 167	Personal Liability Insurance Apart from insuring your kit it's worth bearing in mind that if you are working in a public area and some litigious individual bumps into you or trips over a cable or something worse, God forbid, you are at risk of having to face a legal claim. And to be brutally honest, the best and cheapest way I've found to get insurance for this in the UK is to be in BECTU, the trades union. Once you have joined you can get good cover for about £30 p.a. I've shopped around and not found anything to match it.

October 15th, 2008, 10:54 AM	#411
Justin Benn Major Player Join Date: Oct 2006 Location: York, UK. Posts: 224	Insurance: the most boring and most important element of ownership? Hi all, With days to go, I've completely negelected this aspect, I realise, but wondered what everyone esle is doing about insurance? Especially those who have to travel around the world with lots of kit? What are your experiences with people like Photoguard, or, from the UK, E&L or JLT Online? As I approach an awkward set of circumstances which has me travelling to the UK from the Caribbean in few days with lots of kit - but no way to adapt my UK house (from Trinidad) to the liking of a UK insurer so that I may get their cover (and no way of getting coverage from a very conservative financial industry here in Trinidad where I don't own property) - I face the prospect of travelling uninsured with most of my HD set up. The airline is British Airways and everything is in Pelicans but still... I don't make a habit of this (I usually insure with E&L in the UK) but wonder if it's time to break out the prayer sticks? I'll take a beating from you guys if I have to on receipt of clever advice... Jus. Last edited by Justin Benn; October 15th, 2008 at 10:55 AM. Reason: spelling, comprehension - and sheer capriciousness...

October 15th, 2008, 11:25 AM	#412
Alister Chapman Inner Circle Join Date: Dec 2005 Location: Bracknell, Berkshire, UK Posts: 4,957	I use Allen Chapman an James (no relation) who are TV and media industry specialists. I have a policy that covers all my equipment, not just my EX3. It may be a bit expensive if you just want to insure an EX3. They were very good when I had to make a claim. - Welcome to the Allan Chapman & James __________________ Alister Chapman, Film-Maker/Stormchaser http://www.xdcam-user.com/alisters-blog/ My XDCAM site and blog. http://www.hurricane-rig.com

October 15th, 2008, 12:45 PM	#413
Justin Benn Major Player Join Date: Oct 2006 Location: York, UK. Posts: 224	Thanks! Was hoping to hear from you! Will give them a shout tomorrow (nearly 8pm in the UK now) to see what they say. I have, including the EX3, about US$70k worth of kit to insure - and will be based in the middle of 'nowhere' in the Yorkshire countryside. Hope that will be in my favour...

October 15th, 2008, 01:37 PM	#414
Ted OMalley Major Player Join Date: May 2006 Location: Tampa, FL Posts: 596	I opted for a Mack Warranty on the camera, but that doesn't cove loss or theft. Also, from what I've been told, is more expensive than just insuring it through your company as Alister suggested. Maybe if it is you only piece of kit, the Mack Warranty is ok. For most, there is the audio gear, tripod(s), lighting, dolly, or even crane to consider. How about in the US - any suggestions for insurance companies? __________________ Sony EX3, Vegas 9.0 64bit, Windows 7(64), Core i7, 12GB, RAID1 & 0, HotSwap SATA, 30" LCD(2560x1600)-GTX285 & 24" LCD(1360x768)-7800GT

October 16th, 2008, 11:50 AM	#415
Bruce Rawlings Major Player Join Date: Feb 2008 Location: Cardiff, Wales, UK Posts: 410	We have used Allan Chapman and James for years - they are first class. Talk to Carl in new business. We have kit cover/£5million liability etc. They understand the business we are in. THey are based in Colchester.

October 16th, 2008, 02:11 PM	#416
Justin Benn Major Player Join Date: Oct 2006 Location: York, UK. Posts: 224	Ta. Thanks Bruce. Will also check them out shortly. Jus.