Established in 1996, Package Choice is an insurance program designed for professional photographers and videographers who are based in the United States. Unlike other programs, Package Choice brings a choice of insurance policies and providers to the professional photographer and videographer. Because carriers offer different levels of coverage and are more competitive in different areas of the country, we know that no single insurance company will fit every photographer's needs. Carriers in our program include Hartford, Zurich, Travelers and Firemen's Fund.

Hill & Usher is the program designer and manager for Package Choice. As a retail insurance agency, we also serve as your advocate during the purchase of your policy. We are also available to serve you in the event of a claim or if you have questions concerning your policy. Hill & Usher is based in Phoenix, Arizona.

Minimum premiums vary by insurance carrier and state; however, most begin at $500.

Premiums are determined by a number of factors, including: Your physical location; value of your insured equipment and other property; number of years in business; and previous history of claims.

Generally, a package will include General Liability, Hired/Non-owned Automobile Liability, Cameras, Property and computer coverage. Errors & Omissions Liability is an available extension.

Any wedding, portrait, architectural, stock or industrial photographer or videographer based in the United States who also meets our underwriting criteria. The program is currently available to residents of every U.S. State.

Package Choice can often insure other work you might perform, like web-design, graphic arts, and photographic restoration; however, this is determined on a case-by-case basis.

In most cases, a Hill & Usher representative will respond to your inquiry within 48 hours. We are certainly willing to handle urgent inquiries. Please contact 866-977-4725.

The short answer is, "rarely." Many insurance buyers are familiar with stories of insurance carriers dramatically increasing rates following a claim. With Package Choice, very few customers will see a rate increase after a claim, provided you take the necessary and recommended precautions to prevent a loss from recurring. Even fewer will see a cancellation notice from the carrier following a claim.

Yes, we do. Please contact our office or visit our online service center at http://service.hillusher.com to make your request. We will ask for the name and address of the party making the request as well as if the party is requesting any particular coverage extensions from your policy, like an "additional insured" endorsement or "waiver of subrogation." We turn around typical requests in 24 hours.

Most of our policies automatically extend coverage for rented or borrowed equipment at a limit of $10,000. Coverage may be increased for an additional premium.

Unless added by special endorsement to your policy, coverage for your scheduled cameras and other property is provided within the United States and Canada.

Yes. We can arrange for this coverage either during your initial application process or prior to a trip you take outside of the country. Contact our office for more information.

Not generally, since you use your equipment in a business. Most Homeowners policies exclude coverage for business related property.

Yes. A multitude of payment plans are available.

Contact our office at 866-977-4725 or visit http://service.hillusher.com