Posted 07 April 2006 - 10:14 AM
There are a few options. First off, know that your homeowner's policy specifically will NOT cover a business item such as your camera unless you get an additional rider, and even that would only cover the gear while it was sitting in your home. For any production you should get the client to provide insurance, listing you as a LOSS PAYEE for the FULL REPLACEMENT VALUE of the gear, for which you should provide an itemized list complete with serial numbers and down to the last cable & screw. If you want to get your own equipment insurance, you can contact an industry company such as D.R. Reiff. Such policies generally have a deductible anywhere from $1000-$2500 and an annual premium of 1.5% of the value of the gear, so $100,000 of gear would cost $1500. But most insurers have a minimum, so even though you only have $30k to protect, look to spend around $1000 for insurance (but you might get a lower deductible for that). Lastly, for international travel it is important to also get something called a CARNET, which is essentially an agency swearing to all the governments of the world that you own this gear and did not buy it in one country to bring into another to avoid tariffs & duty. This is in addition to any insurance.