Hi, my name is Maurizio and I’m the marketing director of Insurious. I have joined the team recently and I love to tell a story that is symbolic of what Insurious can do for you as it does for me.
When my wife and I purchased our first DSLR shortly before our first child was due to arrive in the winter of 2010, I knew that I would someday want to learn more about photography. With a newborn to feed, change, and love, however, it was some time before that someday came.
Eventually, though, I found the time to teach myself how to use my fancy new camera. At first, I wasn’t very good. Over time and with LOTS of practice, I got better. As the years went by I purchase more and more equipment till I had two duffel bags full of it. My wife and I became passionate about taking staged pictures for every holiday so we had backdrops, stands, lighting and, some tripods added to our equipment. The cost of our equipment rose well above $5000 very quickly.
South Miami Beach – South Point
One day we decided to go to the beach for one of our family photoshoots for an early spring adventure and brought all our equipment with us . It was a very busy day and we were surrounded by people so we decided to go back to the car and just take my camera with me while leaving all the rest of the equipment in the trunk of my car. I soon find out that was a horrible idea. After few hours I arrived back at my car to find the truck pried open and my camera equipment bags missing.
Car Trunk Burglar
While my wife and I were very happy we had kept the memory cards with all our pictures with us, we were devastated by losing all our equipment at once. So I took out my phone and start calling my broker to report the claim under the homeowner’s policy that I had purchased. An adjuster was assigned but after few days our claim was denied because our equipment was not stolen at our property address. I consequentially called my car insurance but they told me that my policy did not cover theft of personal items that are left in my car. That was the moment of realization that I was at a complete loss.
This was a difficult, pricey lesson that was better learned before there was a loss. My experience tells me that many photographers assume they are covered by their homeowners’ policy when in fact they are not. I eventually bought my equipment back and start looking for a policy that would cover my newly purchased equipment. To my surprise, it was not that easy to find one. Most companies offer coverage solutions only on location like my property’s insurance policy or offer insurance only to professionals. I later find out the only type of insurance that would cover almost everything anywhere I would go is an Inland Marine policy.
The name “inland marine” was a bit confusing as I thought it was only for mariners of some kind, but instead, it is just the type of insurance that covers your equipment wherever your pieces of equipment go. It is not tied up with any particular location and can be provided to regular people just like me that not necessarily professional photographers.
Later in life, I had two more wonderful children and to this day I enjoy taking pictures with my whole family during the holidays. Amazingly enough, I have joined the team of a company that provides such insurance services to hobbyist photographers such as myself.
Because of my life experience I recommend everybody to check their policy and make sure the coverage is appropriate.
At Insurious, we have created an online insurance solution just for any photographer. You can customize your coverage to your preferences and ask as many questions to an operator via our live chat.
Welcome to the third episode of the Give A Heck Podcast with Insurious CEO Matt Sweetwood! Join Dwight Heck and his guest, Matt Sweetwood, as they talk about the insurance provided by Insurious and his book, Leader of The Pack. Matt is the CEO and co-founder of Insurious, an insurance platform that protects your most valued gear and equipment in seven minutes or less. There has never been anything like this before! Don’t forget to check out his number one bestselling book, Leader of The Pack that has changed and impacted every person who has read it.
In this episode, you’ll learn:
Matt’s long journey in business before starting and running his own.
Pivoting, finding new ways, and not letting COVID-19 affect them negatively.
The amazing product of Insurious, there is nothing like this in the marketplace!
An item that is stolen, lost, dropped, and more can be covered by their insurance!
The nature of insurance provides peace of mind and emotional comfort for you.
It’s not about you; it’s about those you leave behind. Have empathy, kindness, learn about others, and do not be selfish.
Discover all the options you have in insurance cameras & camera’s equipment.
Your equipment deserves proper cover – who provides the best camera insurance in 2021?
We all want the best camera – so surely we need the best camera insurance to go along with it. After all, we sink serious cash into our kit – so if the worst happens and it gets lost, damaged or stolen, you want the proper protection in place.
With the best DSLRs and mirrorless cameras commanding well over a grand – and even the best compact cameras getting up there in price – it’s more important than ever to make sure you have the right insurance cover for your camera. And that’s before you even get to the rest of your kit bag!
Think of all the camera accessories in your setup, from flashguns and tripods to microphones and ND filters… not to mention the glass! Telephoto lenses, prime lenses, quirky Lensbaby lenses – you can easily end up with a collection of optics that are worth more than your actual camera.
And if you photograph at weddings, shoot live music, or cover any other events where you’ll be mixing with large groups of people, you may well find that your general household insurance might not cover these situations.
What camera insurance should I buy?
The question is, whatever the particular insurance premium may cost, is the alternative – no insurance – something that you can really afford?
Feel free to ask our equipment insurance specialist via live chat or phone.
Insurious is the best camera insurance option for USA photographers in 2021. here is why:
Comprehensive insurance protection for photographers without voluntary parting exclusion.
Insurious offers insurance protection for both photographers and video makers, helping protect your business and enable it to quickly recover from any catastrophes. With its policies underwritten by Athos Insurance, Insurious offers USA national photographic equipment coverage but also the option to extend it with Worldwide inclusion at a small extra cost ( limitation applies ), making it the perfect solution for the traveling photographer.
Making sure applications are quick and easy, there are two main insurance policies option offered to photographers and videographers, namely Long Term and Short Term. Long-term policies are designed to provide coverage on an annual basis while short terms are prepared for events and defined periods of time.
Most insurance companies offer policies with a voluntary parting exclusion clause. The “voluntary parting” exclusion clause provides that “The insurance carrier will not pay for loss caused by loss resulting from your, or anyone acting on your express or implied authority, being induced by any dishonest act to voluntarily part with title to or possession of any property.” Voluntary parting exclusions do not apply to Insurious offered policies making them the best equipment insurance of 2021.
To have a practical example: You lend the camera to someone that never returns it or returns it damaged. In this case Insurious offered policies will cover your equipment loss there where most carriers wont.
With Insurious you can create your own policy by using the website quote tool customizing options and extend coverage to best fits your need, you can also call or chat with the insurious team directly to discuss your options.
Although homeowners and renters insurance both cover musical instruments as a part of a policyholder’s personal property protection, coverage can be limited. While you can increase the coverage somewhat, musicians, collectors, and even some hobbyists should consider whether they need to purchase protection outside of their homeowners and renters policies.
You should consider purchasing additional coverage for your musical instrument and equipment if the value of what you own is greater than what’s covered by your homeowners or renters insurance — otherwise, your existing coverage could be enough.
Not everyone who owns an instrument needs musical instrument insurance. Most people who have either homeowners or renters insurance policies already have personal property coverage, which will cover their instruments.
However, those insurance policies may only cover up to $2,000 in damages to instruments. Depending on the musician or collector, $2,000 in coverage might not be nearly enough to repair or replace their instruments. Anyone with a single instrument or collection of instruments worth more than $2,000 should consider extending their coverage with an Insurious offered policy.
If the homeowners and renters insurance carrier does not offer an endorsement, or the value of their music-related belongings surpasses an endorsement expansion, they might need a separate policy. This is why Isnurious offer independent musical instrument and equipment insurance policies.
“If you owned an electric guitar, amplifier and state-of-the-art pedalboard, you might need to purchase additional musical instrument insurance, as the total value of your setup would likely exceed your policy’s fractional coverage.”
Musical instrument insurance coverage
Musical instrument insurance can be customized like most other insurance policies. Policyholders can typically choose the amount of coverage they need, their deductible and the policies are relatively comprehensive. Insurance for a musical instrument can cover the instrument itself, accessories and other related equipment — even sheet music.
Insurious offers insurance protection for both musician and sound engineers, helping protect their business and enable it to quickly recover from any catastrophes. With its policies underwritten by Athos Insurance, Insurious offers USA national music equipment coverage but also the option to extend it with Worldwide inclusion at a small extra cost ( limitation applies ), making it the perfect solution for the traveling musician or engineer.
If you are a musician or sound engineer and would like to learn more about how to insure your equipment consider contact Insurious team via live chat or by phone. You can also use the quick quote form on the Insurious website.
Are you interested in becoming an affiliate marketer? Have you been considering working with affiliates? Or are you simply curious about how affiliate marketing works?
If you answered yes to any of those questions, and you have limited knowledge about how affiliate marketing works, then you’re in the right place. The concept isn’t hard to grasp. By the end of this blog post, you should have a solid understanding. So let’s get going!
What Is Affiliate Marketing?
Affiliate marketing is a form of internet marketing. Companies (sometimes referred to as advertisers or merchants) pay people (affiliates) based on their performance promoting an offer via an affiliate link.
In a nutshell, if you’re an affiliate (also referred to as a publisher), you use your skills as a marketer to refer your audience to a product or service. When someone in your audience decides to buy a product or service and take an action based on your recommendation, you get a commission or kickback.
Who Are Affiliates?
An affiliate can be an individual or a company. Most of the time, affiliates are bloggers or other content makers. They’re usually in industries that are the same or closely related to that of the company whose products they’re promoting.
Affiliates are people who help promote a product or service by writing posts, making videos, and conducting other marketing efforts. When an affiliate’s visitor makes a purchase or submits a lead form on the affiliate company’s website, the affiliate gets paid.
Affiliates can also promote affiliate companies by publishing things like banner ads and text links. Whenever a lead is generated, the publisher is paid a commission.
After signing up with an affiliate program, you’ll get an affiliate link or a special URL that contains your affiliate username or ID. You use this link whenever you mention the advertiser’s product on your website or in other marketing efforts, such as on social media.
Whenever one of your audience members clicks on your affiliate link, a cookie is dropped into their browser to track them. If they become a customer, the company knows it received that customer from you and you get credit.
Does It Cost To Join An Affiliate Program?
There is no charge to join an affiliate program. However, some promotion strategies will cost if you choose to use them. For example, while your blog won’t cost you anything but your time, pay-per-click marketing, email campaigns, and social media ads will require an investment.
Do You Need Qualifications To Be An Affiliate Marketer?
Anyone can become an affiliate marketer, and there are no standard qualifications.
However, knowing how to write a blog post, string a great review together, or do video are all a big plus because they mean you don’t have to pay for content in the beginning. Also, any existing marketing knowledge you have will be a great advantage to you.
Start Earning Today!
There’s no limit to what you can earn with affiliate marketing. It’s up to you to learn how affiliate marketing works and see how far you can scale this incredible business model. It takes a bit of effort at the beginning but when you hit that sweet spot and everything aligns, it’s a great feeling.
Now that you know how affiliate marketing works, why not test the waters? After all, it could be your golden goose, but you’ll never know unless you try!
Try Insurious Affiliate Program & get $10 sign up bonus instantly. Learn More
The risks photography businesses face can be significant. So are the costs associated with these risks. Camera insurance is a must. Whether you’re a serious hobbyist photographer or a seasoned pro.
At the very least, camera insurance will help you replace a cracked lens. Here’s what you need to know about camera insurance.
Equipment and Camera Insurance
When you buy photography or camera insurance, use a company that specializes in photography. General insurance brokers may not be able to tailor the policy to your requirements.
As with any type of insurance, there are a lot of variables. Understanding what your needs are will help you determine the best photography insurance. Equipment insurance will be an option that you can choose as part of your DSLR camera insurance package. Photography gear is very expensive. The damage caused to a dropped lens may cost you thousands of dollars if they aren’t insured. No matter how careful you are, accidents happen more often than you think.
Tripping over a tethering cable can mean knocking over your laptop and tripod. And your expensive camera. This is not an option you should skip over, as the likelihood of needing it sooner or later is great. When speaking with the insurance representative, be specific. Make sure you discuss the fields in which you photograph. It may influence the final price of your policy. Depending on the company, this may not have any bearing. But it’s good to be upfront and direct with your insurance provider. Want to learn more chat with an insurance specialist at Insurious.us
Many sectors rely extensively on audio, visual and lighting equipment. With this reliance comes the need to protect against material damage and subsequent financial losses. Insurious is a specialist equipment Insurer with its policies underwritten by Athos Insurance, Insurious offers USA national music equipment coverage but also the option to extend it with Worldwide inclusion at a small extra cost ( limitation applies ) and can tailor comprehensive and flexible coverage to protect the sensitive equipment used by today’s businesses.
The audiovisual market is one that has seen substantial growth over the past decade. With the emergence of new markets and fast-paced technological advances, this growth is predicted to continue long into the future. Cover can be arranged for equipment while away from the premises and whilst hired out to customers or hired in from a provider. Whether this equipment is owned or hired we can provide wide-ranging All Risks cover, additional expenditure and business interruption including where damage is caused as a result of a breakdown. Audiovisual solutions are widely used throughout the corporate, broadcast and recording sectors and range from the hire of a few items to the use of highend technical solutions for conferences or exhibitions.
Such equipment may include:
• Plasma & LCD screens
• Videowalls & whiteboards
• TV, video & radio broadcast equipment
• Recording studio equipment
• Portable lighting & sound equipment
Commercial property policies may only provide limited protection for electronic equipment and additionally, some Insurers may be unwilling to cover equipment that is mobile and away from the premises.
If you are in the audiovisual business and would like to learn more about how to insure your equipment consider contact Insurious team via live chat or by phone. You can also use the quick quote form on the Insurious website.
Understanding the minefield that film production and production equipment insurance is a challenge. I wanted to bring on the show Kathrine Wong and Aylene Villarin from Athos Insurance to left the vail on all things filmmaking insurance.
Now I know what you are saying…a podcast about insurance, snore! but to be honest it’s a fun episode with tons of knowledge bombs. Enjoy my conversation with Kathrine Wong and Aylene Villarin from Athos Insurance.