ins for my photography gear - GoFuckYourself.com

Grapesoda · 07-23-2012, 11:58 AM

<rant> got dropped for shooting porn. so my ins went from $750 a year to 6k per year with a comapny that will accept porn </end rant>

L-Pink · 07-23-2012, 12:02 PM

Gear is generally stolen while in transit or car break-in, house break in. How is gear stolen while in use? If it's stolen while not in use how did the fact you shoot porn even come up?

.

slapass · 07-23-2012, 12:02 PM

Is your gear worth over 6k?

candyflip · 07-23-2012, 12:03 PM

Quote:

Originally Posted by slapass

Is your gear worth over 6k?

I'd be willing to bet 3-5 times that, at least.

I'm a student and my bag has about $10k total in it.

JP-pornshooter · 07-23-2012, 03:23 PM

we use some co in philly, but i mainly carry it to cover any damage to locations (as required also when obtaining a permit). but it covers many different areas of "loss/damage", think i was paying around $1k/year last.

Grapesoda · 07-23-2012, 03:24 PM

Quote:

Originally Posted by L-Pink

Gear is generally stolen while in transit or car break-in, house break in. How is gear stolen while in use? If it's stolen while not in use how did the fact you shoot porn even come up?

.

I was told if i ever filed a claim travelers would dump my policy and refund the premiums, Zürich would not accept me back as Zürich has a no porn policy as well. in my experience it's always better to be upfront in case there are issues of one sort or another, so I fessed up to my ins agent... and guess what? travelers dropped me like a hot rock.

Grapesoda · 07-23-2012, 03:24 PM

Quote:

Originally Posted by JP-pornshooter

we use some co in philly, but i mainly carry it to cover any damage to locations (as required also when obtaining a permit). but it covers many different areas of "loss/damage", think i was paying around $1k/year last.

they know you are shooting adult?

Grapesoda · 07-23-2012, 03:26 PM

Quote:

Originally Posted by slapass

Is your gear worth over 6k?

why? don't know any pro content shooters that would fit in the 'under 6k' gear catagory myself.

waltgator · 07-23-2012, 06:19 PM

bummer man, thats alot in premium! we got insurance coverage as a freelance photo company & was about $3 k per year..helps that my agent was also a buddy and he knew what I do...

fitzmulti · 07-23-2012, 06:52 PM

Quote:

Originally Posted by Grapesoda

<rant> got dropped for shooting porn. so my ins went from $750 a year to 6k per year with a comapny that will accept porn </end rant>

How the hell did they even KNOW what you shoot, or not?
That's pretty bizzare, to me...

Grapesoda · 07-23-2012, 07:13 PM

Quote:

Originally Posted by fitzmulti

How the hell did they even KNOW what you shoot, or not?
That's pretty bizzare, to me...

told ya i had to fess up so if there was an issue i could be paid...

CYF · 07-23-2012, 08:45 PM

the high fees probably aren't for gear, they're probably for professional liability reasons. That'd be my guess anyways. More potential liability with porn than just doing senior portraits.

marcop · 07-23-2012, 09:13 PM

Quote:

Originally Posted by Grapesoda

I was told if i ever filed a claim travelers would dump my policy and refund the premiums, Zürich would not accept me back as Zürich has a no porn policy as well. in my experience it's always better to be upfront in case there are issues of one sort or another, so I fessed up to my ins agent... and guess what? travelers dropped me like a hot rock.

That sucks...

Jim_Gunn · 07-23-2012, 09:59 PM

I don't know why it would matter what type of images you are taking when the insurance just covers the value of the gear itself, not your overall business or the value of the content. Commercial photography is commercial photography no matter what type of gigs you are doing.

Anyway, I prefer spending my money on better physical security systems than on insurance who may very well screw you over and not pay out for any number of reasons if you try to make a claim. Even if it is a lame reason like they find out you are a pornographer.

I recently purchased a heavy safe and had it bolted to the floor in my equipment room with a completely wireless alarm system with multiple motion sensors also protecting my home and finally a videocamera system on top of that.

When I'm filming I have most of my gear with me, I never leave it in the car alone after a shoot, so a home burglary is the only place I could lose it and I feel protected at this point.

JFK · 07-24-2012, 01:03 AM

sorry to hear that, it's such a waste................... till you need it

TheDA · 07-24-2012, 03:57 AM

Can't you just add it on to your house insurance?

07-23-2012, 11:58 AM	#1
Grapesoda So Fucking Banned Industry Role: Join Date: Jul 2003 Location: Montana Posts: 46,238	ins for my photography gear <rant> got dropped for shooting porn. so my ins went from $750 a year to 6k per year with a comapny that will accept porn </end rant>

07-23-2012, 03:23 PM	#5
JP-pornshooter Confirmed User Join Date: Sep 2006 Location: westcoast usa Posts: 4,007	we use some co in philly, but i mainly carry it to cover any damage to locations (as required also when obtaining a permit). but it covers many different areas of "loss/damage", think i was paying around $1k/year last. __________________ "Obscenity is whatever gives the Judge an erection." -- Author Unknown

07-23-2012, 06:19 PM	#9
waltgator Confirmed User Industry Role: Join Date: May 2011 Location: tweak-ville, U.S.A. Posts: 1,369	bummer man, thats alot in premium! we got insurance coverage as a freelance photo company & was about $3 k per year..helps that my agent was also a buddy and he knew what I do... __________________ http://behindtheclit.com ICQ 448280936

07-23-2012, 08:45 PM	#12
CYF Coupon Guru Industry Role: Join Date: Mar 2009 Location: Minneapolis Posts: 10,973	the high fees probably aren't for gear, they're probably for professional liability reasons. That'd be my guess anyways. More potential liability with porn than just doing senior portraits. __________________ Webmaster Coupons Coupons and discounts for hosting, domains, SSL Certs, and more! AmeriNOC Coupons \| Certified Hosting Coupons \| Hosting Coupons \| Domain Name Coupons

07-23-2012, 09:59 PM	#14
Jim_Gunn Confirmed User Industry Role: Join Date: Feb 2003 Location: Where The Teens Are Posts: 5,702	I don't know why it would matter what type of images you are taking when the insurance just covers the value of the gear itself, not your overall business or the value of the content. Commercial photography is commercial photography no matter what type of gigs you are doing. Anyway, I prefer spending my money on better physical security systems than on insurance who may very well screw you over and not pay out for any number of reasons if you try to make a claim. Even if it is a lame reason like they find out you are a pornographer. I recently purchased a heavy safe and had it bolted to the floor in my equipment room with a completely wireless alarm system with multiple motion sensors also protecting my home and finally a videocamera system on top of that. When I'm filming I have most of my gear with me, I never leave it in the car alone after a shoot, so a home burglary is the only place I could lose it and I feel protected at this point. __________________ Jim Gunn Filming Cinematic Porn Skype JimGunnProductions

07-23-2012, 12:02 PM	#2
L-Pink working on my tan Industry Role: Join Date: Mar 2005 Location: Florida/Kentucky Posts: 39,151	Gear is generally stolen while in transit or car break-in, house break in. How is gear stolen while in use? If it's stolen while not in use how did the fact you shoot porn even come up? .

07-23-2012, 12:02 PM	#3
slapass Too lazy to set a custom title Join Date: Nov 2002 Location: Earth Posts: 14,622	Is your gear worth over 6k?

07-24-2012, 01:03 AM	#15
JFK FUBAR the ORIGINATOR Industry Role: Join Date: Jan 2002 Location: FUBARLAND Posts: 67,374	sorry to hear that, it's such a waste................... till you need it __________________ FUBAR Webmasters - The FUBAR Times - FUBAR Webmasters Mobile - FUBARTV.XXX For promo opps contact jfk at fubarwebmasters dot com

07-24-2012, 03:57 AM	#16
TheDA Confirmed User Industry Role: Join Date: May 2006 Posts: 4,665	Can't you just add it on to your house insurance?