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I have just taken on a small studio. I am expecting to have people come into the space. I am currently insured as an amateur. I will have to upgrade my insurance no and probably include public liability insurance. I am looking for the right company and the right package.
Can anyone give me any pointers please?
* a helpful insurance company?
* typical pitfalls?
* right questions to ask?
............that sort of thing.
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I would suggest aaduki
Quote: I would suggest aaduki
I would second that!
I am also looking for a new insurer and I have spoken with both Aaduki and Imaging Insurance as recommended by a few on here.
So both worth a call to see which gives the best price/deal.
I am also looking for a similar insurance on my studio and tried Aaduki for an instant quote,a lot dearer than photoguards online quote,am I missing something or can any one recommend photoguard,dont want to waste my money but also dont want to be caught short if I need to claim,thanks Gareth.
agree with aaduki, very good, you can add extra kit and extra premisies for little or no cost, i have an office and a studio now all covered as well as the car, you will need PI and PL but may need to consider EL if you have assistants.
I'm also looking for insurance, and public liability, anybody had to make claims with either of them? How did they handle the claim?
never had to make a claim and that's how it should be
Quote: Never had to make a claim and that's how it should be
Agreed, and I can't recall the last time I had to claim on any type of insurance either. But having read some of the recent insurance experiences in the forums, I'd prefer to know that the company would manage the claim professional should it come to that.
I used Photoguards online quote which came out quite well until I phoned and needed to add other things which pushed the price up and beyond that of Aaduki. It was things like IT, portfolio, display materials etc.
I settled for Aaduki. (touch wood never made a claim.)
Does anyone have experience of processing a claim via Aaduki?
From everything else I've read on the forum they appear to be the insurer to go with, but would prefer to choose one with a good record of claims handling (although touch wood I'd never need to use the process).
I agree that the test of a good insurance company is not how seemingly inexpensive they are but how good, competent, quick and efficient they are when the chips are down.
The insurance company I am with managed to botch a simple direct debit so I doubt how they would handle a claim so I am looking for a new supplier; a contact tells me that Towergate are very good but not the cheapest but of course may be the least expensive if things went awry.
Here we go... All locks on doors and windows must be of a type approved by a recognised security expert and be fitted by a qualified security expert locksmith.
Or if you get burgled you get nothing !
from any of them !
in short, hire a security expert or locksmith and get him to fit brand new locks to all doors and windows that meet the security ratings set by the insurance company and issue you with a certificate from the lock manufacture to state the locks meet the standard.
store the certificates and receipts away from the premises
It matters nothing if all the locks meet the standards already unless you have a receipt for them fitting, again by a locksmith and the security certificate for the lock, if not they will claim it was incorrectly fitted and not a genuine product, but a copy or you could not produce all 3 original keys for the locks, the number of keys is on the certificate, loose one and you need a new lock, not a new key
Be warned ! they will not mention this when grabbing your cash, only when you want to claim.
A copper bottomed get out clause.
mark_delta - the OP was asking about insurance companies and what questions to ask them. Once again, you are off topic.
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