Kanetix Forum

I wanted to start a film school for teenagers called Hip Hop Video School. It would make cameras and MAC computers available to under privileged youth and give the inner city youth a fighting chance at making demo reels as good as the private school students. But insurance killed the whole idea. Nobody would give me business insurance after I stated that students could take the cameras and computers off site. How else would they make a movie? What can I do to get around this?

This situation is complex. The truth is different insurance companies have different underwriting guidelines. While taking the cameras offsite may be a risk concern for some insurance companies, it might not be a concern for others.

The key is to look around and find out who the specialty insurers are for your industry and start there. Unfortunately, there really aren't any easy answers for you other than to keep shopping around.

Good luck!

Sean Graham, Principal Broker at KTX Insurance Brokers.

Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person's situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.