OK, I recently had an accident in my studio which broke my AptusII-12 back to the tune of $15K. I filed with my "trusty" insurance agent and was told that I only had insurance for liability, theft/vandalism, and catastrophe of entire studio loss.
I am currently in "negotiations" with my agent to see if they will cover any or some of the breakage costs but they probably won't and they will lose all my business, both personal and business; but I will lose the $$ as well.
I have looked into new insurance that supposedly will cover breakage on the job and such as well as the usual liability and fire/flood/theft stuff. I have joined PPA and purchased addl. coverage thru them, as well as insurance through a company called "Package Choice" Photographer's professional insurance (Hill & Usher underwriters)
I am asking fellow MFD members here who they use and any experiences they may have with making claims and such?
For most things in our studio, I can self insure (computers, Canon's, Nikons...etc) but I have "discovered" of late that there is a huge weakness in my coverage for breakage of truly big ticket items like MFD backs, $10k+ lenses, Drum Scanners, and $15K+ large format printers...to name a few.
So any recommendations? Referrals? Experiences? Any "Don't use these guys..."? I really want to know.
Thanks in advance
Eric Gordon (EGor)