Am I covered if... shipping owned equipment via United States Postal Service

Language in some Business Owners Policy's (BOP) state that Business Personal Property (BPP) is NOT covered off premises while in the custody of the United States Postal Service ("mail"). No such language exists for BPP in the custody of UPS or Fedex. This suggests using a private shipping company is a must when sending equipment back and forth to say the manufacturer. This commentary is advisory in nature and not a guarantee of coverage. See your policy for coverage limits and exclusions. Request A Quote

New FAA drone use rules effective August 29, 2016

Here is a link to the FAA web-site explaining the new regulations and procedures for drone use. Photographers using drones need to understand this stuff. Insurance information including liability and gear coverage available by call expert Howard Burkholz 801-451-8880 (western states), Chuck Eagleston 888-732-1520 (central states), and Jeremy Stringham 801-487-8704 (eastern states). Request a customized insurance proposal at

Two Tiers of Professional Liability Coverage (Errors & Omissions)

Many of the professional photographers that contact me to review their current policy DO NOT have professional liability coverage. They have general liability coverage only. Consider this: Professional Liability Coverage - This coverage responds to Third Party loss caused by a “wrongful act” arising out of ‘professional services.’ Covers liability and defense costs from claims that allege errors or omissions in the rendering of professional services. Protects insureds from “Wrongful Acts” arising out of Professional Services: Negligent Act Errors and Omissions Misleading Statement or Misstatement One example of this coverage is as follows: A family hired a photographer to take family portrai

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