Get Your Free Quote
As a professional photographer, your equipment is your livelihood. Loss of your gear due to theft, fire, accidents, or other perils could mean you are out of business. Getting the right coverage for your photography equipment could mean the difference between paying out of pocket to replace expensive gear and making that shoot this weekend.
Camera Equipment Insurance Definition: Your camera equipment is covered under a Business Property Insurance policy. This policy covers your professional camera and other equipment you use to perform your job as a professional photographer. This not only includes your camera but can also include additional lenses, external flashes, lights, backdrops, stands, props, cases, memory cards, card readers, and even laptops, tablets, and other devices. Additionally, it covers your place of business, regardless if you rent or own the space.
Some photographers, including many of those just getting started, believe their homeowner's or residential renter's insurance will cover their equipment, especially if they are working out of their homes. This is not the case. These policies do not cover any equipment used for professional purposes. The same goes for your personal auto insurance policies. If your gear is stolen out of your car, your auto policy will not cover equipment used for business.
Camera and photography equipment insurance or Business Property Policy typically includes coverage for damage from:
Do you need a business property insurance policy if you don't have a studio or work out of your residence? Most likely, yes. Residential homeowners and renters policies do not cover equipment used for business. A business property policy will provide protection and help cover replacement costs of your cameras and equipment, even if you don't need it for a studio, office, or other property.
Property insurance isn't the only insurance professional photographers should carry, especially if they work out of a studio, have employees , or even shot on locations. Each of these situations presents the possibility of personal injury or damage to 3rd party property.
For example, if a client were to trip on a camera bag and injure themselves while on a location shoot such as a wedding, you could be held responsible for medical care.
In addition to a business property policy, should also consider:
While some states have requirements for businesses, such as workers' compensation for businesses with employees, it is not required in all states. General liability may also be required in some circumstances, but not always. In most cases, insuring your camera and other photography equipment is not required, but not having the right coverage puts your business and your livelihood at risk.
Several factors go into calculating your premium. Some of these include:
The goal of Photographyequipmentinsurance.com is to help photographers, professional, freelance, and even amateurs, get the insurance coverage they need and an affordable price. If you want a quote, more information about photography equipment insurance, or just need some advice on insurance, complete the form at the top and we will connect you with a agent who can answer all your questions, and help you get the right coverage.