>If you've ever accepted ANY payment for your photography
>services and you think your gear is covered by your home
>owners insurance policy, guess again. Once you accept money,
>you’re considered a “business” by the insurer and they'll deny
>your claim. And they have investigators that will find out -
>it's their job. They even search forums like this one. I work
>with other contract photogs on sports gigs and have heard many
>horror stories about shooters using home owners floaters,
>etc., they pay for years, then file a claim/loss, and they're
>claim is denied because the gear was use business instead of
>personal use. They Googled one photog friend of mine and found
>her makeshift image website – that was their out. And no, they
>didn’t refund her premiums. It sounds far-fetched, but it's
>absolutely true.
>
>I opted for an inland marine policy (through Liberty Mutual,
>but they're no longer writing new IMPs). It covers ALL my gear
>as long as photography is not primary source of income (I
>still make a tad more working for an airline - what can I say,
>free travel benefits are too sweet to give up just yet).
>Ideally, you'd get a commercial liability policy that not only
>covers your gear in the event of a loss, but covers your arse
>if someone is injured on your set - or even if a client sues
>you for breach of contract or failure to deliver.
>
>Don't fall for the homeowner's floater trap if you've ever
>accepted payment or have your images posted anywhere.

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