Insurance -- the big discussion thread

K. Forman · July 24th, 2003, 04:45 PM

I was looking for a one shot deal, just to get me through production. I would actually only need it for the 6 scenes shot in the store, but I suppose it wouldn't hurt to carry it till the end of production. Do they have something like that?

Don Bloom · July 24th, 2003, 06:05 PM

Hmmmm, good question. Don't know, I'm sure someone does, but I have no idea who. Maybe a call to your insurance person and they can get you on the right track.
Good Luck in your quest!
Don

K. Forman · July 24th, 2003, 08:17 PM

Thanks for the help Don. I'm leary of calling anyone around here, as I just keep getting misinformation or blank stares.

K. Forman · July 30th, 2003, 01:03 PM

I just recieved a call back from an insurance company. I called, asking for an insurance certificate for an independant feature I would like to shoot. She called back, saying there was a company that could help, but they needed info. She then asked how much the project would cost. Not having all things considered, I estimated a low budget, $600-800. You could almost hear a pin drop. They will have a minimum requirement of $5,000. I thought you said this was a big feature production? No, I said this was an independant feature. But thank you, I'll keep looking.

Am I going to keep running into this? I really only need the Insurance certificate to secure the use of one location, but would like to have it for any secondary locations.. Any ideas?

Dan Uneken · August 12th, 2003, 05:56 AM

Talk to the people from the chain again & explain the situation. Sign a paper that you'll personally be liable for damages. Perhaps they'll go for it. Your're not filming an ultralight flying around the store, are you?

K. Forman · August 12th, 2003, 06:38 AM

Hey! I like that! I'll add it to the script now :)

Josh Bass · November 17th, 2003, 02:27 PM

Well, I suppose it was gonna come up eventually. How can I go about insuring my gear? I just talked to an insurance agent, and he said right now it's pretty tough to find anyone willing to write what he called a "floater policy."

Jean-Philippe Archibald · November 17th, 2003, 03:57 PM

I am not an expert, but if you are not using your equipement "professionnally" (you do not receive income from your videography activities) you can pass it on your house insurance (I don't know if there is a specific terme for this in english).

I have myself modified my house insurance to cover all risks (like a camera that fell on the ground) for almost nothing more.

In the professionnal area, it must exist some specifics insurances.

Josh Bass · November 17th, 2003, 04:06 PM

Yeah, unfortunately it's a mix of both.

Michel Brewer · November 17th, 2003, 11:20 PM

I have been shopping also and the best deal, Ive found is AAA (you have to be a member) State Farm wanted 500 a year for my gear and AAA gave it to me for 225 a year. This covers it in my car from theft, and me being a ass and dropping it off a bridge etc, its a add on to my renters insurance and is covering about 25,000 worth of gear.

m

Josh Bass · November 18th, 2003, 12:39 AM

Damnit! I am indeed NOT a member! Any other suggestions? Throw 'em at me.

Dave Largent · November 18th, 2003, 03:54 PM

Michel, how's that work? If all your gear were stolen, do they need a list ahead of time of what you have? Receipts? Do they care if it's used professionally? Deductible?

Josh Bass · November 18th, 2003, 04:03 PM

How much does AAA membership cost?

Michel Brewer · November 18th, 2003, 04:12 PM

Dave & Josh

AAA membership is around 35-40 a year, I gave agent a list of gear and have photos of all the equipment. The interesting part he didnt seem to care about the gears use for work, I told him my profession and he just said ok explained I was covered for everything and sent me the coverage and of course a bill.

Since its in my car going from site to site, or travelling with me etc, it definately makes me calmer.

Michel

PS Josh a lot of times triple a will send out a discount preapproved membership for about 35, the insurance services are located inside their offices might check in if your driving by and get the cost from them.

Josh Bass · November 18th, 2003, 04:57 PM

I see. So for like 265 a year, I can insure up to $25,000 worth of gear? (Hey that rhymed!)

August 12th, 2003, 05:56 AM	#110
Dan Uneken Major Player Join Date: Sep 2001 Location: Andalucia, Spain Posts: 301	Talk to the people from the chain again & explain the situation. Sign a paper that you'll personally be liable for damages. Perhaps they'll go for it. Your're not filming an ultralight flying around the store, are you? __________________ Film & TV locations & production Spain http://www.fotofilmvideo.com/

November 17th, 2003, 02:27 PM	#112
Josh Bass Slash Rules! Join Date: Apr 2002 Location: Houston, Texas Posts: 5,472	Equipment insurance? Well, I suppose it was gonna come up eventually. How can I go about insuring my gear? I just talked to an insurance agent, and he said right now it's pretty tough to find anyone willing to write what he called a "floater policy." __________________ The Bass' camerawork The Bass on IMDB

November 17th, 2003, 03:57 PM	#113
Jean-Philippe Archibald Trustee Join Date: Sep 2003 Location: Saguenay, Québec, Canada Posts: 1,051	I am not an expert, but if you are not using your equipement "professionnally" (you do not receive income from your videography activities) you can pass it on your house insurance (I don't know if there is a specific terme for this in english). I have myself modified my house insurance to cover all risks (like a camera that fell on the ground) for almost nothing more. In the professionnal area, it must exist some specifics insurances. __________________ Jean-Philippe Archibald http://www.jparchibald.com - http://www.vimeo.com/jparchib

November 17th, 2003, 04:06 PM	#114
Josh Bass Slash Rules! Join Date: Apr 2002 Location: Houston, Texas Posts: 5,472	Yeah, unfortunately it's a mix of both. __________________ The Bass' camerawork The Bass on IMDB

November 17th, 2003, 11:20 PM	#115
Michel Brewer Regular Crew Join Date: Apr 2002 Location: Ventura California Posts: 179	you might try triple aaa I have been shopping also and the best deal, Ive found is AAA (you have to be a member) State Farm wanted 500 a year for my gear and AAA gave it to me for 225 a year. This covers it in my car from theft, and me being a ass and dropping it off a bridge etc, its a add on to my renters insurance and is covering about 25,000 worth of gear. m __________________ milking the celebrity criminal trials thank god for the freaks

July 24th, 2003, 04:45 PM	#106
K. Forman Capt. Quirk Join Date: Apr 2002 Location: Middle of the woods in Georgia Posts: 3,596	I was looking for a one shot deal, just to get me through production. I would actually only need it for the 6 scenes shot in the store, but I suppose it wouldn't hurt to carry it till the end of production. Do they have something like that?

July 24th, 2003, 06:05 PM	#107
Don Bloom Inner Circle Join Date: Jan 2003 Location: Chicago, IL Posts: 6,609	Hmmmm, good question. Don't know, I'm sure someone does, but I have no idea who. Maybe a call to your insurance person and they can get you on the right track. Good Luck in your quest! Don

July 24th, 2003, 08:17 PM	#108
K. Forman Capt. Quirk Join Date: Apr 2002 Location: Middle of the woods in Georgia Posts: 3,596	Thanks for the help Don. I'm leary of calling anyone around here, as I just keep getting misinformation or blank stares.

July 30th, 2003, 01:03 PM	#109
K. Forman Capt. Quirk Join Date: Apr 2002 Location: Middle of the woods in Georgia Posts: 3,596	I just recieved a call back from an insurance company. I called, asking for an insurance certificate for an independant feature I would like to shoot. She called back, saying there was a company that could help, but they needed info. She then asked how much the project would cost. Not having all things considered, I estimated a low budget, $600-800. You could almost hear a pin drop. They will have a minimum requirement of $5,000. I thought you said this was a big feature production? No, I said this was an independant feature. But thank you, I'll keep looking. Am I going to keep running into this? I really only need the Insurance certificate to secure the use of one location, but would like to have it for any secondary locations.. Any ideas?

August 12th, 2003, 06:38 AM	#111
K. Forman Capt. Quirk Join Date: Apr 2002 Location: Middle of the woods in Georgia Posts: 3,596	Hey! I like that! I'll add it to the script now :)

November 18th, 2003, 12:39 AM	#116
Josh Bass Slash Rules! Join Date: Apr 2002 Location: Houston, Texas Posts: 5,472	Damnit! I am indeed NOT a member! Any other suggestions? Throw 'em at me. __________________ The Bass' camerawork The Bass on IMDB

November 18th, 2003, 03:54 PM	#117
Dave Largent Trustee Join Date: Aug 2003 Posts: 1,483	Michel, how's that work? If all your gear were stolen, do they need a list ahead of time of what you have? Receipts? Do they care if it's used professionally? Deductible?

November 18th, 2003, 04:03 PM	#118
Josh Bass Slash Rules! Join Date: Apr 2002 Location: Houston, Texas Posts: 5,472	How much does AAA membership cost? __________________ The Bass' camerawork The Bass on IMDB

November 18th, 2003, 04:12 PM	#119
Michel Brewer Regular Crew Join Date: Apr 2002 Location: Ventura California Posts: 179	triple aaa Dave & Josh AAA membership is around 35-40 a year, I gave agent a list of gear and have photos of all the equipment. The interesting part he didnt seem to care about the gears use for work, I told him my profession and he just said ok explained I was covered for everything and sent me the coverage and of course a bill. Since its in my car going from site to site, or travelling with me etc, it definately makes me calmer. Michel PS Josh a lot of times triple a will send out a discount preapproved membership for about 35, the insurance services are located inside their offices might check in if your driving by and get the cost from them. __________________ milking the celebrity criminal trials thank god for the freaks

November 18th, 2003, 04:57 PM	#120
Josh Bass Slash Rules! Join Date: Apr 2002 Location: Houston, Texas Posts: 5,472	I see. So for like 265 a year, I can insure up to $25,000 worth of gear? (Hey that rhymed!) __________________ The Bass' camerawork The Bass on IMDB