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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