Hey guys! Josh Newton here – Shoot & Share’s artist in residence. A few weeks ago a good friend of ours came into the office and started talking us about his new company – Trōv. It’s on-demand insurance for your stuff that you can turn on and off from your phone anytime. Our minds were blown! With Trōv, you can pay for insurance ONLY when you actually need it. For example, you can insure ALL of your gear just for shoots – with a swipe on an app! He asked us if we thought photographers would like it. Not only did we think you would like it, we thought you would LOVE IT. This is insurance for photographers like us! I couldn’t help but tell you about it, and share with you my own story.
I will never forget this day. February 10th, 2010. I had just finished shooting about three different engagement shoots, had come back from Cambodia and Thailand on a big photo field trip, and had also shot a commercial fashion shoot. I spent the night at a friends house in southern California and was so happy with where my photography career was headed. I woke up that morning and wanted to make a phone call, but I forgot my headphones in my car. So I walked out to my car in my PJs in the early morning sun and I immediately noticed something was odd about my car.
There was all this glass around the side of my car and I was immediately irritated. What the heck, did someone just decide to break open a bottle next to my car, or maybe worse ON my car? I tried my best not to step on any as I went to open my drivers door and then I realized… oh my gosh, someone broke my car window. WHY would someone do that?
And then it hit me all in the matter of a second – time slowed down, I could feel the adrenaline rushing through my veins, and my face turned white. Someone stole my entire camera and laptop bag. $15,000 worth of camera gear… gone. My passport, my laptop, 5 lenses, flashes, two bodies… oh NO – ALL MY MEMORY CARDS! Well luckily, I made a few backups of all the photos onto my external hard drives… but yeah, those were in there too. I couldn’t function – I just stood there absolutely speechless. I was dumbfounded that this could happen to me. If only that person knew that it wasn’t just my livelihood, it was peoples memories and so much work that was now gone.
This story DOES have a good ending, but only because of one thing – I had all of my gear insured by a really great company. I ended up getting a huge check in the mail for 15k to replace everything that was gone – and I didn’t know it at the time but I had sent my editor a hard drive of my 3rd backup to all of those photos I thought I had lost. My shootsac actually got stolen another 2 months after this, and so they had to send me another check for $8,000. It. Is. Worth. It.
The moral of the story is – GET GOOD INSURANCE. This is not something that you want to mess around with – you really don’t know what you have until you lose it all. I have talked to so many photographers that have had their stuff stolen when they didn’t have insurance, and it was a huge setback to their career (and savings account). Having good insurance is a must if you own your own business!
This is why a company like Trōv is AWESOME. Trōv is on-demand insurance for your gear (not to mention all of your other things too). You can protect just the things you want, exactly when you want, and do it all entirely from your phone. All with the click of a button on your mobile phone. My mind is blown! Trōv is going to change how to I do insurance. Forever.
I want to get Trōv into your hands! To do that, I would love your help. Will you take 2 MINUTES to take this survey to let us know about all of the gear you carry? We’d love to be able to help our friends at Trōv get all set up for photographers like you! It will only take a few minutes, promise 🙂 Check it out here.
Also, PLEASE share your story in the comments if something like this has happened to you. I promise you are not alone!