FAQtoid

Mark Dickinson · Oct-22-2011, 05:37 AM #21

Smurfy,

That is right, you get the insurance plus the trust access for unhappy clients. I read over the policy and its just like any other. first deductible is 500, second 750, and 1000.00 per consecutive 12 month periods

http://ppa.locktonaffinity.com/compare.htm

http://www.ppa.com/pdfs/qaindemnwebinar.pdf

http://ppa.locktonaffinity.com/Profe...ant_Notice.pdf

Take a look at their exclusions:

CG2100
Exclusion – All Hazards in Connection with Designated Premises
The proposed insurance will not apply to “bodily injury”, “property damage” , “personal and advertising injury”, arising out of activities or photographic assignments involving any of the following extreme sporting events or activities:
1)
• Aircraft including balloons Sky Diving Hang Gliding Parachuting Scuba Diving or Snorkeling Scuba Diving or Snorkeling Mountain Climbing Whitewater Rafting Surfing Spelunking
2) Bungee Jumping
• Motorized sporting events including tractor/truck pulls and racing
• Rodeos Horseback Riding Steer Riding or Wrestling Rock Climbing Skateboarding Skiing or Snowboarding Bicycle Jumping Pugilistic or martial arts sporting events such as wrestling, boxing, kick boxing or karate

Shima · Oct-22-2011, 09:44 AM #22

Quote:

Originally Posted by NeilL

All good, but please check if you are covered while actually using your gear and for gear which is used to generate income/earnings.

Some people have described that they got one answer from the agent but when it came to a claim a completely opposite answer from the claims dept.

Seems you have to take the initiative and do the cross checking yourself. As I said there are some horror stories, eg gear stolen, claim disallowed because insuree had website on which offering photos potentially for sale, therefore gear was used for business and not covered under home policy. True!

Neil

Yes, I don't have a homeowners policy for my gear, I have a business policy + a personal articles policy on top of that. The agent I work with out here in CA has a handful of photography clients so I'm not his only one.

Ed911 · Oct-24-2011, 03:54 PM #23

Quote:

Originally Posted by Mark Dickinson

Ed watch provisions and useage while conducting business out of your home. Might waive your right to collect if it is for commercial or business use.

I have since spoke to my agent...and you are correct. I was told that I needed to upgrade to a commercial rider...and am doing that.

Good catch.

NeilL · Nov-02-2011, 01:43 AM #24

Quote:

Originally Posted by kalkevee

<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w

oNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w

ontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w

ontVertAlignCellWithSp/> <w

ontBreakConstrainedForcedTables/> <w

ontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--> Nice questions, I also learn many things from this interview.

Welcome to DGrin kalkevee!!

Yes, it's a great place to hang out! Plenty of help, plenty of different opinions, plenty of interest in each others photos. So post yours soon!

Neil

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Oct-22-2011, 05:37 AM #21
Mark Dickinson Mark Dickinson Join Date: Feb 2010 Location: Daytona Beach Posts: 327	Smurfy, That is right, you get the insurance plus the trust access for unhappy clients. I read over the policy and its just like any other. first deductible is 500, second 750, and 1000.00 per consecutive 12 month periods http://ppa.locktonaffinity.com/compare.htm http://www.ppa.com/pdfs/qaindemnwebinar.pdf http://ppa.locktonaffinity.com/Profe...ant_Notice.pdf Take a look at their exclusions: CG2100 Exclusion – All Hazards in Connection with Designated Premises The proposed insurance will not apply to “bodily injury”, “property damage” , “personal and advertising injury”, arising out of activities or photographic assignments involving any of the following extreme sporting events or activities: 1) • Aircraft including balloons Sky Diving Hang Gliding Parachuting Scuba Diving or Snorkeling Scuba Diving or Snorkeling Mountain Climbing Whitewater Rafting Surfing Spelunking 2) Bungee Jumping • Motorized sporting events including tractor/truck pulls and racing • Rodeos Horseback Riding Steer Riding or Wrestling Rock Climbing Skateboarding Skiing or Snowboarding Bicycle Jumping Pugilistic or martial arts sporting events such as wrestling, boxing, kick boxing or karate __________________ MD Facebook MD Website MD Store Site Mark + Lindsay Facebook I love animoto


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