most recent 30 from http://socialsounddesign.com 2013-05-26T01:31:55Z http://socialsounddesign.com/feeds/question/894 http://www.creativecommons.org/licenses/by-nc/2.5/rdf http://socialsounddesign.com/questions/894/insurance-for-post-production Little Big Sounds 2010-05-06T06:26:02Z 2010-05-06T06:35:36Z

<p>Hi,</p> <p>I am operating as a freelancer, and under the NEIS program in Sydney, which means I get an allowance to start my business but under their terms - the main one being I NEED to have Public Liability Insurance. I figured I might as well be insured for my equipment (laptop, protools, ilok and plugins, my drives, marantz)</p> <p>I also work from home - so I need an insurance policy that covers mainly equipment under portable policy, with fire and theft and public liability.</p> <p>So many insurers can't even categorise me though, or simply don't offer it.</p> <p>I got a quote from AAMI and from Latitude, but wanted to hear your thoughts before signing up to anything.</p>

http://socialsounddesign.com/questions/894/insurance-for-post-production/898#898 Colin Hart 2010-05-06T06:35:36Z 2010-05-06T06:35:36Z

<p>Most of what I say might not apply at all to you, since I live in the USA, but I'll tell you what I do anyways.</p> <p>I am a freelancer as well, and my studio is out of my house. I rent a house here in Florida and I have renter's insurance. When I set up the insurance, I made sure that I had pictures, records, receipts and all on file, and I totaled up the replacement value and reported it to the insurance company.</p> <p>About a year later, I was up in NYC, and a cabbie sped off with a suitcase full of mics, recording equipment, one of my recorders, my laptop (luckily it was backed up!), etc... totaling about $7k of equipment. I called my insurer, and since the equipment was with me when it was stolen, even though I was 1500 miles away from the house that I was renting, they cut me a check for the amount (after proving some things and providing the receipts and pictures).</p> <p>So I don't know if that helps you out at all. Maybe it might help someone else living here in the US? As a freelancer, you could probably be protected under something like this. If you actually start a company, it is most likely different. Again, I'm not familiar with Aussie law...</p> <p>Hope this helps a little!</p>