Camera Equipment Coverage
Because broken gear shouldn’t break your business. Add coverage for your camera equipment and keep shooting with confidence.
Benefits of Camera Equipment Insurance for Photographers and Videographers
Camera equipment coverage, also known as inland marine insurance, is designed to cover repairs and replacements if your professional gear gets damaged or stolen. Losing your equipment can seriously damage your bottom line, but camera gear coverage can help protect your investments. It also:
- Has four available coverage tiers, up to $15,000 per item and $75,000 total (Annual policies only)
- Can protect cameras, lenses, gimbals, tripods, and other portable business equipment
- Helps safeguard your gear from damage caused by a third party
- Applies to damage caused by work travel
What Is Camera Equipment Insurance (& What Does It Cover)?
Voted as Best Camera Insurance by Shotkit, FFI’s camera equipment insurance is an optional add-on coverage for small photography business policies. It’s designed to help keep you from paying out of pocket to repair or replace your portable professional equipment.
It’s built to protect your gear from the most common types of risks, such as:
| Covered situation | What it looks like |
|---|---|
| Damage to your equipment on the job | While photographing a family portrait, your camera strap snaps, and the lens breaks when it hits the ground. Now you have to find a replacement or a way to fix it. You also have to put future photoshoots on hold until you’ve got a lens that works. |
| Damage to your equipment during transport | You’re driving to an outdoor session across town with your gear in the backseat. Someone rear-ends you, and the accident damages half of your equipment. |
| Third-party damage | While recording a music video, one of the extras bumps into a table where your laptop is set up, knocking it to the ground and breaking it. |
| Third-party damage An accident at the venue | At a warehouse photoshoot, a faulty fusebox throws a spark, causing a fire that destroys all of your gear. |
| Theft | Your camera bag is stolen off your shoulder as you pack up |
What Types of Equipment Are Covered Under Photography Equipment Insurance?
FFI’s insurance for cameras and photography equipment covers items you own or rent and use for work, as long as they are not permanently-installed fixtures. This includes things like:
- DSLR and video cameras
- Laptops
- Tripods
- Lenses
- Gimbals
- Softboxes
- Ring lights
Camera Equipment Insurance is designed to cover the essentials, but it can’t cover everything. For example, standard camera gear coverage does not apply to drones. If you use drones for work and want to protect them in case of damage or theft, you need Drone Equipment Coverage.
Drone Equipment Coverage applies to all the same gear as standard Camera Equipment Insurance, but extends that coverage to drones and drone-related items.
For more details on our exclusions, contact our customer service department at 844.670.1078 or info@fullframeinsurance.com.
Note: Mysterious disappearances are not covered. So, if your gear is left unattended or unsecured and it is stolen, it’s not typically covered.
How Much Does Camera Equipment Insurance Cost?
Coverage for your camera equipment starts at just $18.17 a month or $218 a year when added to an annual policy. Camera equipment coverage is not available on single-event policies. There are four coverage tiers to choose from:
Tier 1: $2,000 per item/$20,000 aggregate = $18.17/month
Tier 2: $5,000 per item/$30,000 aggregate = $19.75/month
Tier 3: $10,000 per item/ $60,000 aggregate = $37.50/month
Tier 4: $15,000 per item/ $75,000 aggregate = $47.33/month
Annual+ plans include the first tier of equipment coverage for a total policy cost of $30.17 per month.
Note: All policies include a $250 deductible that you must pay out-of-pocket before Camera Equipment coverage kicks in.
FFI Has Your Back
Not sure what camera equipment insurance covers? We’ll handle the repair and replacement fees so you have peace of mind while capturing the perfect shots.
Get peace of mind today.
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Who Needs Camera Equipment Insurance?
Short answer? Probably you! Most photographers and videographers need protection for the gear they use to conduct their jobs. In other words, if you’re a photographer or videographer and you own or rent your gear, you likely need camera equipment coverage.
If you do any of the following, camera equipment insurance is a must. We offer coverage for:
Coverage Details & Limits
Annual Plus
Includes gear protection. Protects professional photographers for a full year.
$347/ year
- Cameras, Lenses, Gimbals Protected
- $2,000 per item / $20,000 aggregate
- Professional, Cyber Liability, Drone Liability and Drone Coverage Available (Optional)
- $30 for Unlimited Additional Insureds
Camera Equipment Insurance Details
-
$5,000 per item/$30,000 aggregate [MOST POPULAR] $19.75/month
-
$10,000 per item/ $60,000 aggregate $37.50/month
-
$15,000 per item/ $75,000 aggregate $47.33/month
* $250 Deductible
Camera Equipment Insurance FAQs for Photographers and Videographers
Is Camera Equipment Insurance Required for Photographers?
Camera equipment insurance is not typically legally required. However, this coverage is essential if you own or rent equipment for your business. Your gear is your livelihood, and losing it not only costs you money to replace it, but also costs you additional jobs and income while you’re without it.
This coverage is a must-have to:
- Help protect your gear from the unexpected: If your equipment is damaged or stolen while you’re working or traveling to a job, this coverage provides you with a financial safety net.
- Fill the gaps in your liability coverage: General liability and homeowners insurance don’t typically protect gear used for your business, but camera gear (inland marine) coverage does.
- Have a smooth claim-filing process: While we hope you never have to file a claim for your gear, the process is super easy. All you need are your equipment serial numbers, receipts, a police report for thefts, and the approximate date, time, and location of the incident.
How Quickly Can I Get a Quote for Camera Equipment Coverage?
You can get a quote for camera equipment coverage in 10 minutes or less when you apply for an Annual or Annual+ policy. If you already have a policy, you can get equipment coverage in even less time by adding it to your existing policy straight from your online dashboard.
FFI also offers same-day coverage. So, you can get a quote, buy a policy, and get covered all in just 10 minutes.
Can I Get Camera Equipment Insurance Without a Liability Policy?
No. Camera gear coverage is an elective add-on for FFI’s photography and videography liability policies. It is not available as a standalone policy.
What’s the Process for Filing a Claim if My Gear Is Damaged?
Filing a claim with FFI is as easy as point, click, and shoot:
- Gather your policy information, incident details, a police report if you have one, and receipts for your items
- Log in to your customer dashboard
- Visit Manage Policies
- Click File a Claim
- Fill out the form and submit
Note: A police report is required for theft claims.
How Long Does It Take for a Claim to Be Processed?
Claim processing times depend on the details of each claim. Overall, they typically take two or three weeks to complete. Be sure to provide as much detailed information about the incident as possible when filing your claim online, and provide your full cooperation with your claims adjuster.
Full Frame Reviews
Here’s what other photography professionals have to say about their experience.
Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.
The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!
Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.
Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.
Chris Van Leeuwen, CIC | VP of Professional Development
Chris Van Leeuwen is the VP of Professional Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Professional Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.