Photographer Insurance

We have a very special insurance program specifically designed to insure the property, crime and general liability exposures of the office or home based Disc Jockey operation.

BAOA is pleased to provide affordable liability and equipment coverage for all paid members.

This plan covers Disc Jockeys, Photographers, Videographers, and Wedding Planners. Prices start at just $175/year!

INSURANCE PROGRAM

BAOA offers a very comprehensive Liability and Equipment Insurance package to all paid members. It is underwritten by one of America's largest insurance companies and is available in all 50 states. The policy is written by Commercial Brokerage Insurance who has been successfully providing quality photographer insurance for the past five years with no policy increases. In fact, this year the rates went down and the coverage went up!! The BAOA insurance package only requires a paid membership on our site. Once you are a paid member of the Association and you request insurance coverage you will be set up with a free Bronze membership with WEphotographer.com

Total cost for Liability Insurance starts at just $175/year* which includes:

* Liability Coverage up to $1,000,000 (this will satisfy even Long Island and New York Metro requirements)

* Legal in all 50 states!

* Coverage available for Disc Jockeys, Photographers, Videographers, and Wedding Planners

* Very affordable equipment insurance with very few exclusions.

* Same-day coverage in most cases

* Proof of Insurance provided instantly and even faxed to a reception center when necessary

* Full-Time Insurance Staff - phone 630 242-3176

The BAOA does NOT process insurance applications

INSURANCE PROGRAM

Liability & Property Insurance Specification For

Members of WEDJ.com & BAOA

Program Broker / Manager

G.A. MAVON & CO.

10 W Chicago Ave Hinsdale, IL 60521

630 242-3176 -- FAX 630 654-4447

E-Mail: sheri@mavon.com

You must be a member of WEDJ.com to participate in the WEDJ.com Insurance Program. Membership is issued by WEDJ.com. Membership numbers are non-transferable. Fraudulent use will result in revocation of membership and insurance privileges.

Coverage Available For photographer’s Photographers & Videographers
LIABILITY & PROPERTY COVERAGES ARE ONE POLICY AND MAY BE PURCHASED SEPARATELY
LIABILITY COVERAGE
Master WEDJ.com liability policy with each member as an individual insured member,

LIMITS APPLY TO EACH MEMBER

· Liability limits $1,000,000 per occurrence, $2,000,000 aggregate

· $1,000,000 products & completed operations aggregate

· $1,000,000 personal & advertising injury.

· $50,000 Damage to rented premises

· $5,000 medical expense carve out

· $250 deductible for property damage

LIMITS APPLY TO EACH MEMBER.

· First system $175, each add’l system $60

· Covers you for sums that you become legally obligated to pay as a result of bodily injury or property damage arising out of your business operation

· Premises owners & venues can be added as additional insured

· First 25 certificates are free a flat fee will be negotiated for more than the 1st 25

PROGRAM NOT AVAILABLE FOR BROKERS EQUIPMENT COVERAGE · Master WEDJ.com Inland Marine policy with each member as an individual insured LIMITS APPLY TO EACH MEMBER · Coverage is for equipment, related accessories and music libraries while on or off your premises. Risks of direct physical loss, except those causes of loss specifically excluded are covered · Valuation is on a replacement cost basis with no co-insurance · DEDUCTIBLE: $250 per loss · Theft is not covered unless there is a sign or indication of forced entry. This exclusion applies to vehicles · Rates are $1 per hundred dollars of replacement cost valuation · Premises owners can be added as additional insured · First 25 certificates are free a flat fee will be negotiated for more than the 1st 25 · You may insure additional office equipment & furniture, etc PROGRAM NOT AVAILABLE FOR BROKER MAJOR EXCLUSIONS: Explosives, Animals, Errors & Omissions, & Contingent Business Operations, Pyrotechnics, Assault & Battery, Inflatables (bounce houses) Liability coverage is available for inflatables & novelties such as Moonwalks on a separate policy from Lloyd’s of London (please call program manager) This summary is not an all inclusive description of the policy terms & conditions please call the program manager shown above with any questions