A good way to start??

**Longshots** · 17-09-2010, 3:38pm

FYI
I'm just about to renew my photographers Public Liability insurance and what with the usual tax, duty, agents fee etc, I'm paying just over $450 for $20,000,000 (Million) cover

**jasevk** · 17-09-2010, 3:49pm

Originally Posted by Longshots

FYI
I'm just about to renew my photographers Public Liability insurance and what with the usual tax, duty, agents fee etc, I'm paying just over $450 for $20,000 cover

Hmmm... now you have me wondering why 2 policies very similar in premium price would have such a huge variance in amount covered? $20k vs $10m... ??? any ideas William?

**TigerEyeFP** · 17-09-2010, 3:53pm

May I ask what is advertising injury??

**jasevk** · 17-09-2010, 4:07pm

Originally Posted by TigerEyeFP

May I ask what is advertising injury??

It's where your 'advertising' affects a third party... like breach of trademark & copyright, making false claims regarding competitors etc etc...

**Longshots** · 17-09-2010, 4:18pm

Originally Posted by jasevk

Hmmm... now you have me wondering why 2 policies very similar in premium price would have such a huge variance in amount covered? $20k vs $10m... ??? any ideas William?

Because I cant type properly

I edited it shortly afterwards to reflect what it should be

Which is 20Million

**jasevk** · 17-09-2010, 4:30pm

Originally Posted by Longshots

Because I cant type properly

I edited it shortly afterwards to reflect what it should be

Which is 20Million

pheeew... for a moment you made me think i'd fallen for a 'too good to be true' deal...

**TigerEyeFP** · 17-09-2010, 5:10pm

Thank you

**Longshots** · 17-09-2010, 5:23pm

I should also add that the PL Policy accompany's a rather large photographic equipment policy

**Redgum** · 17-09-2010, 5:57pm

Originally Posted by Longshots

I should also add that the PL Policy accompany's a rather large photographic equipment policy

Not included in the one policy, William?

**Longshots** · 18-09-2010, 3:30pm

Originally Posted by Redgum

Not included in the one policy, William?

No

It used to be and then the insurance agent produced a different cover with two policies - as I'm not an insurance agent or have any other experience other than being a consumer, as the cost was reduced fairly considerably (close to $900 saving overall from previous insurer), the end result being cheaper, and improved cover was my main concern.

**Pearly** · 28-09-2010, 12:25pm

May I ask who you have this PL insurance with? Or who I should contact to take out a policy?

Cheers

**Longshots** · 28-09-2010, 3:59pm

Originally Posted by Pearly

May I ask who you have this PL insurance with? Or who I should contact to take out a policy?

Cheers

these guys handle my cover:

http://www.wscbrokers.com.au/

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