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Don’t Get Caught Without It: 4 Reasons You Need Camera Insurance

From your unique branding, personalized filters, and online presence, to buying the right equipment, you have put in a lot of time, energy, and resources into your business. Your photography business allows you the opportunity to capture sweet moments and meet new people. You’re able to travel to beautiful destinations, explore unique places, and take photographs in various settings.

One accident resulting in broken camera gear could lead to a serious financial hiccup. No matter how experienced a photographer is, there’s no way to predict when an accident will occur—the risk of a mishap is always present. However, you can help mitigate these risks with camera insurance.

Camera Insurance Can Help Cover the Expenses of Damaged Equipment

 

Let’s say your camera equipment sustains damage on a flight home from a destination photo shoot. Are you prepared to shell out thousands of dollars to repair or replace it?

Risks You Face

  1. Damage from traveling
  2. On the job equipment damage
  3. Stolen lenses and equipment

You get the idea and you’ve probably already encountered one or more of these scenarios. Luckily, as long as you have camera insurance, it may help with these expenses.

You can check out some real examples here.

Camera Equipment Insurance Fits Your Lifestyle

 

When you sign up for an annual plan, you have the option to add camera equipment coverage to your policy. There’s no need to have two separate policies from different companies, which makes it easy to keep track of your coverage. You can save time and money by bundling your plan.

The Camera Equipment Insurance Coverage You Need. Nothing More. Nothing Less.

You don’t have to worry about overpaying for camera equipment coverage. With Full Frame Insurance, choosing your camera equipment coverage is easy. You can tailor your plan to make sure it fits your unique photography business. Plus, you can always change your policy to fit your needs at any time.

Equipment coverage starts at $55. Learn more here.

Proactive and Successful Photographers Carry Camera Insurance

Maintaining your success is important. Not only does it cover your business, but it gives your clients peace of mind when they hire you to shoot their special event. Luckily, you can be proactive and get the coverage that your lifestyle needs online.

Did you like this blog post? Check out our photography insurance guide to learn more about coverage.

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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.