[HAM] Insurance for B3

[William Mark Bristow]

Guys,

Some have asked the question about insuring equipment while it travels by
van or trailer and while it is on location in a venue.

If I understand my insurance agent.  Our travelling equipment is first
covered by our auto insurance (trailer insurance in some cases if the
trailer requires it - one of ours does in Texas) - while and only while it
is in the trailer attached to a vehicle.

Second we carry what is called, I believe, a Marine Floater Policy on our
sound, organs, Leslies and hand trucks, road cases and such.  It requires
you to inventory to each specific item (other than misc connectors and
stuff) with model and serial number.  We keep photos of our equipment so it
would be easy to see the equipment is well kept.  It is then valued at the
purchase and/or replacement price.  (Good luck trying to actually get
replacement and not depreciated value from the insurance co.)

Our marine floaters for is about $60 to $100 per $10,000 of insured
equipment per year - depending on coverage.  Very inexpensive if the
equipment is your livelihood.

William Mark Bristow