>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.