Tue 21-Aug-12 06:54 PM | edited Tue 21-Aug-12 06:56 PM by Jim Mohundro
>>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.
> >>Don't fall for the homeowner's floater trap if you've >ever >>accepted payment or have your images posted anywhere.
Sorry for the misuse, above, of the "reply with quote" option.
I'm a bit concerned about the portion of the quote "...or have your images posted anywhere..."
Taken literally, that means that if one has posted, without payment, obviously, images on Nikonians, or Flicker, or DPR, or NikonGaer, etc., one's homeowner's floater becomes invalid. A clarification or confirmation would be very helpful: have all of us who've posted images, without payment therefor, on photography-related forums, now had our floater coverages invalidated? Should I, as a never-paid non-professional, now cancel my homeowner's floater (sometimes, I think, called and described as "scheduled coverage"), saving those premiums but causing me to replace this covergae with that meant for a professional and at possible substantial cost?