Professional vlogger sitting in front of a camera

Camera Equipment Insurance: A Valuable Asset

You might be going back and forth about whether to add camera equipment insurance to your business plan. One thing to keep in mind is that this much-needed protection may save you hundreds to thousands of dollars in potential replacement costs. With an ever-changing workspace, you never know what the next session has in store for your equipment. Everything may go according to plan and your stuff can be safe from harm. On the other hand, disaster could strike and your equipment could get caught in the middle. In the case that something does happen to your gear, we’ve broken down how camera equipment insurance can work for you.

What Does Camera Equipment Insurance Cover?

The unique thing about your job is the opportunity to take pictures in a variety of settings, be it a studio, meadow, or beach. That said, even the most experienced photographer or videographer can deal with an equipment mishap and a ruined session because of it. With camera equipment insurance you can safeguard your business and you can add coverage to your annual policy for a small premium.

We are able to cover the following:

  • Lighting Equipment
  • Cameras
  • Lenses
  • Rented Equipment
  • And More!

How Does Camera Gear Insurance Respond?

You need a policy that fits your changing lifestyle and doesn’t limit you from doing what you love. One of the best things you can do for your business is to find a camera gear insurance policy that covers your gear from all angles.

For example, you drive to a photography session and get into a car accident on the way there. Your camera equipment insurance policy may respond to this incident and cover the damages your equipment sustains.

Your insurance for camera equipment policy is designed to respond to the following:

  • In Transit (i.e. driving to a location)
  • At Home
  • On Location

Can My General Liability Policy Cover My Equipment?

No. General liability is designed to cover third-party claims such as bodily injury, property damage, personal injury, and others that can occur from your business operations. Therefore, your general liability policy does not extend to your personal property damage, such as lighting equipment breaking during a session or your lens breaking.

Protect Your Business with Camera Insurance

The nice thing about owning a photography or videography business is having the opportunity to travel to new locations. One day you could be driving to the west coast for a beach wedding and the next day you could be jet-setting to Europe for another job. Whether you’re handling a small or large session, you tend to carry a lot of gear with you and it comes with a very large price tag. You could easily spend a thousand dollars on a piece of equipment and it would be a total loss if something small happened to any of it. With camera insurance, you can have peace of mind your gear is protected from unexpected mishaps.

Useful Links About Camera Equipment Insurance

  1. How To File an Insurance Claim For Your Camera Equipment
  2. Is Insurance For Camera Rental Equipment Really Necessary?
  3. Why You Should Travel With Camera Equipment Insurance
  4. Don’t Get Caught Without It: 4 Reasons You Need Camera Insurance

Camera Equipment Insurance starting at $99

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Cyber Liability

Cyber liability insurance protects your business from the cost of first- and third-party claims that arise from a cyber security breach within your business. Cyber crime has become a common threat for businesses both big and small. If you collect or store business information online on a computer, tablet, or mobile device, we highly suggest including this additional protection to your policy.

Professional Liability

Professional liability insurance can protect your business from the cost negligence claims that arise from professional errors and omissions, like giving bad instruction or failing to provide necessary information on a subject. If you teach classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

Additional Insureds

When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

General Liability

General liability insurance can protect your business from the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves. It also protects against the cost of copyright infringement claims, personal and advertising injury claims, and more.

Damage To Rented Premises

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, like a studio or event booth. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. Full Frame provides unlimited additional insureds for just $30.

Camera Equipment Coverage

Also known as inland marine insurance, camera equipment coverage can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on a job and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.