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Re: [OM] (OT) Very OT Insurance for equipment/location

Subject: Re: [OM] (OT) Very OT Insurance for equipment/location
From: Candace Lemarr <CandaceRocks@xxxxxxxxxxx>
Date: Sat, 24 Sep 2011 07:54:28 -0600
Bill,

Thank you for the information and for taking the time to reply to me.
I sometimes *wish* I were still with my parents for situations like 
this, LOL, but...no.

Candace


On 9/23/2011 10:00 PM, NSURIT@xxxxxxx wrote:
> You will probably want to get two policies.  One for the location and  one
> for the equipment which will be used away from the location.  The
> particular business arrangement may determine the ownership of the policy (the
> Business or the individual.)
>
> You will want to look at your lease and see what requirements, if any, the
> owner of the building requires.
>
> The policy on the building typically will provide liability coverage and
> property belonging to you.  It may also cover the interior improvements in
> the building (look at your lease.)  This is not typically an all-risk
> policy, but rather a specific perils policy.  That is not a bad thing,  
> however if
> you drop your camera and break it, it isn't covered.
>
> Were I you, I would buy an "Inland Marine" policy on my camera gear as it
> is an all-risk policy covering you world-wide. Drop the camera, you are
> covered.  There is no klutz clause.
>
> You might check with the agent who currently insures your car, apartment or
>   home.  If you are still with your parents agent, check with their  agent.
>
> I've recently retired from State Farm Insurance Company, so if there are no
>   other relationships, they would be one you might call.
>
> Bill Barber

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