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Thread: Camera, Mic, Gimbal and Tripod for less than 2000?

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    For sure I am planning on getting it on insurance, I did get the DJI cover although thats just damages not theft, I will have a look into it, do you guys insure your gear on your home insurance or do you get a specific insurance plan out? Im guessing I would have to get a specific plan for my gear from someone who specialises in camera / electronics insurance if I was wanting to be covered outside of my house right?

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    I don't have overly expensive gear, so I'm covered under my home renter's insurance (I think it's $10/m).

    I also know someone getting insurance through a photography association, that's like $250/yr. I'm interested in learning how other's have solved this.

  3. #23
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    Quote Originally Posted by jochicago View Post
    I don't have overly expensive gear, so I'm covered under my home renter's insurance (I think it's $10/m).
    I doubt that'll cover you for professional use.
    Tim

  4. #24

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    Since my equipment is legally my work I have a specific business insurance package which covers things like liability, theft, damage for work related cases. For example If I would film at a venue and damage DJ equipment that wouldn't be covered on my personal insurance because it would have happened as a result of my business activity. If you're legally buying and shooting as an individual, i.e. no VAT, no chamber of commerce registration, no company, you (probably?) don't need a business insurance package. In any case it's best to talk things over with an insurance insurance rep.
    The cats are watching us...

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    Quote Originally Posted by TimStannard View Post
    I doubt that'll cover you for professional use.
    I asked my insurance company, they said it's fine. The conversation happened a few years back, I don't remember the details, but in essence a lot of people have DSLRs and such at home these days, so they are not unfamiliar with claims for a few $k for photo/video equipment, and they didn't mind that the equipment would be used for a home business. Also, might be useful to add that it's the same company that insures my car(s), so they've seen a lot of money from me for the last 10+ years.

    But I do think everyone should check with their insurance to confirm it will work. I imagine they would have a problem if I claim theft of a C300, although I haven't checked, maybe they are fine with that too. If I were to buy a $5k+ camera I would call again to confirm we are good.

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    Quote Originally Posted by Grapes View Post
    Since my equipment is legally my work I have a specific business insurance package which covers things like liability, theft, damage for work related cases. For example If I would film at a venue and damage DJ equipment that wouldn't be covered on my personal insurance because it would have happened as a result of my business activity. If you're legally buying and shooting as an individual, i.e. no VAT, no chamber of commerce registration, no company, you (probably?) don't need a business insurance package. In any case it's best to talk things over with an insurance insurance rep.
    You brought up a very good point about professional liability. I'm incorporated and I don't do "gigs", I typically work with long-term clients with mutual trust so my risks are really minimal. But everyone working should look into business liability insurance for when something goes wrong (like memory cards die after the event and you lost all pics/video, now the client sues you).

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    So I got a large chunk of my gear today, just waiting on some other bits from the supplier. I have the main body, 12-35mm and my ronin as well as a few batteries. Not been able to record anything yet because im still waiting on my SD cards to come so I can get some 4k footage running through my premiere vains. Im very happy with the GH5s just going off what I can see on the screen, I flipped it to log straight away, put on the LUT assist and tinkered around in the settings for a while, the hardest part of all was getting used to my gimbal they're a weird beast to tame at first as before id only ever had a go on the large ones like the ronin Ms and its alot of a different story with this, balancing wasnt too hard but I definetly need to mess around with its settings alot to figure it out, may have stressed the motors a little too it kept beeping at me lol. Anyway I cant wait to get my SD cards and test it out propperly and I have been looking at insurance since I ordered it, anyone have any reccomendations for camera insurance companies (if its within the forum rules to mention names im not quite sure) I think its smartest to get specific camera insurance so it can be covered during transit and other people using it. Im not too bothered about liability as im just a one man band and my kit never leaves my side, I find it unlikely that someone would try and sue me for damages or whatever but never say never, I guess it wouldnt add too much for a quote...

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