Default Theft and liability insurance for wedding photographers - PPA?

haringharing Registered Users Posts: 281 Major grins
edited November 2, 2011 in Weddings
Did you hear about the Liability and Theft insurance offered through Professional Photographer of America (PPA)?
Can you recommend it? I would like to have theft and liability.
Would I participate in the insurance program automatically once I become a member or I have to pay for it extra? I am a little bit confused? Please advise!

Thanks! Priscilla

Comments

  • JimKarczewskiJimKarczewski Registered Users Posts: 969 Major grins
    edited February 7, 2011
    Not sure about the Theft part. But if you are a portrait or wedding photographer they have the Indemnity Trust you MUST pay extra for. It covers you when clients file action against you. If they take you to court (PPA lawyers can't work something out) you aren't liable for damages....
  • TravelTravel Registered Users Posts: 276 Major grins
    edited February 8, 2011
    I had a friend who was taken to court in regards to wedding photography. They did not defend him. It is not such a good deal. Too limited. Join PP of A if your goal is to become a Master Photographer other wise just get their magazine and join a good local group.
  • JimKarczewskiJimKarczewski Registered Users Posts: 969 Major grins
    edited February 8, 2011
    Travel wrote: »
    I had a friend who was taken to court in regards to wedding photography. They did not defend him. It is not such a good deal. Too limited. Join PP of A if your goal is to become a Master Photographer other wise just get their magazine and join a good local group.

    Uh.. then your friend didn't contact the legal department at PPA. I've been in touch with them several times and every time they helped the situation IMMENSELY. Unfortunately I had to deal with them a lot as I was involved in an auto accident on the way home from a wedding. So things were very slow afterwards and PPA helped IMMENSELY
  • dawssvtdawssvt Registered Users Posts: 413 Major grins
    edited February 8, 2011
    I have Hill and Usher and love them.

    Website
    My Smugmug

    My Canon Gear:
    5DMII | 24-105mm f/4L | 45mm TS/E | 135mm f/2.0L | 70-200mm f/2.8L IS | 50mm f/1.4
    | 580EX II & 430EX



  • KinkajouKinkajou Registered Users Posts: 1,240 Major grins
    edited February 9, 2011
    I'm also looking into liability insurance for photographers... any other recommendations or things to keep in mind while looking around?
    Webpage

    Spread the love! Go comment on something!
  • ShimaShima Registered Users Posts: 2,547 Major grins
    edited February 17, 2011
    dawssvt wrote: »
    I have Hill and Usher and love them.

    So I got a quote from them but it was just under 800 dollars... seems kind of high.... so getting a few more quotes from other places now to compare. Granted I do have more gear than last time I got insurance, but still this more than double what I used to pay State Farm.
  • haringharing Registered Users Posts: 281 Major grins
    edited February 18, 2011
    Travel wrote: »
    I had a friend who was taken to court in regards to wedding photography. They did not defend him. It is not such a good deal. Too limited. Join PP of A if your goal is to become a Master Photographer other wise just get their magazine and join a good local group.

    I see. Good to know.
  • haringharing Registered Users Posts: 281 Major grins
    edited February 18, 2011
    Shima wrote: »
    So I got a quote from them but it was just under 800 dollars... seems kind of high.... so getting a few more quotes from other places now to compare. Granted I do have more gear than last time I got insurance, but still this more than double what I used to pay State Farm.

    $800 seems to be high for me, too. Let us know if you find a "lower" alternative..
  • ChatKatChatKat Registered Users Posts: 1,357 Major grins
    edited February 18, 2011
    3%
    The standard rate for a listed articles policy that covers gear that is taken out of your place of business is 3% of it's replacement value. so $20,000 worth of gear would be $600 just to cover the equipment.
    Kathy Rappaport
    Flash Frozen Photography, Inc.
    http://flashfrozenphotography.com
  • haringharing Registered Users Posts: 281 Major grins
    edited February 18, 2011
    ChatKat wrote: »
    The standard rate for a listed articles policy that covers gear that is taken out of your place of business is 3% of it's replacement value. so $20,000 worth of gear would be $600 just to cover the equipment.

    I see. Now it makes sense. thanks!
  • Ed911Ed911 Registered Users Posts: 1,306 Major grins
    edited February 20, 2011
    I use a rider attached to my home owners insurance...covers theft, accidents, like dropping in a lake...full replacement value, including computers...and I think I'm paying around $150.00 a year for $15,000 coverage. Computers and stuff like that have to go on a separate rider...but it's around the same price and included in the above as a package...

    So, check out your home owners ins.
    Remember, no one may want you to take pictures, but they all want to see them.
    Educate yourself like you'll live forever and live like you'll die tomorrow.

    Ed
  • Mark DickinsonMark Dickinson Registered Users Posts: 337 Major grins
    edited October 21, 2011
    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.
  • ShimaShima Registered Users Posts: 2,547 Major grins
    edited October 21, 2011
    haring wrote: »
    $800 seems to be high for me, too. Let us know if you find a "lower" alternative..

    I ended up going with State Farm again.
  • NeilLNeilL Registered Users Posts: 4,201 Major grins
    edited October 21, 2011
    There is a thread @ DG of about 6mo ago that looked exhaustively at insurance. A few horror stories emerged, in particular in relation to the disallowing of some claims under home owners-house contents insurance policies on the issue that the items were associated with earning income eg photos for sale on a website, and were actually being used at the time of the claim event as distinct from being kept on the property stated in the policy, or in transit to and from there.

    Insurers will always decide in their favour to the extent they can, and they will base their claim assessment on their interpretation of the policy wording. Even though gear might be specifically listed and have specific coverage under home owners-house contents policies, the extent of that coverage, eg to claims events in which the gear is actually being used which are associated with earning money, needs to be confirmed by the wording of the policy.

    In Australia photographers' insurance needs are only adequately met by profession specific policies. I can recommend AIS Insurance. Expect to pay AU$500 - 1000pa.

    Neil
    "Snow. Ice. Slow!" "Half-winter. Half-moon. Half-asleep!"

    http://www.behance.net/brosepix
  • MomaZunkMomaZunk Registered Users Posts: 421 Major grins
    edited October 21, 2011
    Here is a thread I posted a few months back that may be helpful.
    http://www.dgrin.com/showthread.php?t=194096
  • NeilLNeilL Registered Users Posts: 4,201 Major grins
    edited October 21, 2011
    Shima wrote: »
    I ended up going with State Farm again.

    State Farm was mentioned several times in the earlier thread I referred to above. From memory I think the experience with them was not universally positive.

    Neil
    "Snow. Ice. Slow!" "Half-winter. Half-moon. Half-asleep!"

    http://www.behance.net/brosepix
  • ShimaShima Registered Users Posts: 2,547 Major grins
    edited October 21, 2011
    NeilL wrote: »
    State Farm was mentioned several times in the earlier thread I referred to above. From memory I think the experience with them was not universally positive.

    Neil

    I've used them for years with no problems. I only considered changing when I had moved states last year, but in the end they were still the best option for me.
  • NeilLNeilL Registered Users Posts: 4,201 Major grins
    edited October 21, 2011
    Shima wrote: »
    I've used them for years with no problems. I only considered changing when I had moved states last year, but in the end they were still the best option for me.

    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
    "Snow. Ice. Slow!" "Half-winter. Half-moon. Half-asleep!"

    http://www.behance.net/brosepix
  • smurfysmurfy Registered Users Posts: 343 Major grins
    edited October 21, 2011
    For anyone who's already a member at the full pro level, the PPA includes equipment insurance now if you opt in. I think it's up to 15K in equipment. It only started in the last couple of weeks.
  • Mark DickinsonMark Dickinson Registered Users Posts: 337 Major grins
    edited October 22, 2011
    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/Professional_Photographers_of_America_General_Liability_Applicant_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
  • ShimaShima Registered Users Posts: 2,547 Major grins
    edited October 22, 2011
    NeilL wrote: »
    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.
  • Ed911Ed911 Registered Users Posts: 1,306 Major grins
    edited October 24, 2011
    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.
    Remember, no one may want you to take pictures, but they all want to see them.
    Educate yourself like you'll live forever and live like you'll die tomorrow.

    Ed
  • NeilLNeilL Registered Users Posts: 4,201 Major grins
    edited November 2, 2011
    kalkevee wrote: »
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Accent 5"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/> <w:LsdException Locked="false" Priority="60" SemiHidden="false" UnhideWhenUsed="false" Name="Light Shading Accent 6"/> <w:LsdException Locked="false" Priority="61" SemiHidden="false" UnhideWhenUsed="false" Name="Light List Accent 6"/> <w:LsdException Locked="false" Priority="62" SemiHidden="false" UnhideWhenUsed="false" Name="Light Grid Accent 6"/> <w:LsdException Locked="false" Priority="63" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/> <w:LsdException Locked="false" Priority="64" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/> <w:LsdException Locked="false" Priority="65" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/> <w:LsdException Locked="false" Priority="66" SemiHidden="false" UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/> <w:LsdException Locked="false" Priority="67" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/> <w:LsdException Locked="false" Priority="68" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/> <w:LsdException Locked="false" Priority="69" SemiHidden="false" UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/> <w:LsdException Locked="false" Priority="70" SemiHidden="false" UnhideWhenUsed="false" Name="Dark List Accent 6"/> <w:LsdException Locked="false" Priority="71" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/> <w:LsdException Locked="false" Priority="72" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful List Accent 6"/> <w:LsdException Locked="false" Priority="73" SemiHidden="false" UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/> <w:LsdException Locked="false" Priority="19" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/> <w:LsdException Locked="false" Priority="21" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/> <w:LsdException Locked="false" Priority="31" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/> <w:LsdException Locked="false" Priority="32" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/> <w:LsdException Locked="false" Priority="33" SemiHidden="false" UnhideWhenUsed="false" QFormat="true" Name="Book Title"/> <w:LsdException Locked="false" Priority="37" Name="Bibliography"/> <w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/> </w:LatentStyles> </xml><![endif]--><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--> Nice questions, I also learn many things from this interview.

    Welcome to DGrin kalkevee!!<img src="https://us.v-cdn.net/6029383/emoji/clap.gif&quot; border="0" alt="" >thumb

    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
    "Snow. Ice. Slow!" "Half-winter. Half-moon. Half-asleep!"

    http://www.behance.net/brosepix
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