camera equipment

How Camera Equipment Insurance Protects your Gear

Imagine this: You’re headed out the door for a big photo shoot. You have your camera, lenses, back up memory cards, and lighting props all ready to go. But oh no! You trip and your camera goes crashing to the ground, shattering the lens! What a nightmare! But wait, you have camera equipment insurance and an extra lens. You can still make it to your photoshoot and your equipment is covered!

This insurance is a fantastic tool to protect your gear and keep you feeling confident that your business is protected.

What is Camera Equipment Insurance?

Camera equipment insurance covers your camera, lenses, lighting equipment, and other photography gear. It is designed to protect your gear on and off shooting location and during transportation.

This coverage extends to equipment you rent as well. So if you have any rented equipment, take some stress off your shoulders and protect it today.

How Camera Equipment Insurance Protects your Gear

Let’s face it, camera equipment is pricey. So, if your camera equipment is ever stolen or damaged, you could be saddled with thousands of dollars in repairing or replacing your equipment. And as a business owner, that is money you don’t want to spend.

Camera equipment insurance protects your gear by mitigating or even eliminating out-of-pocket costs that stem from a claim or accident. In addition to helping out with the cost of damaged or stolen equipment, equipment insurance provides coverage for many common liability risks. This includes:

  • Damage to your equipment by a third party
  • Damage to or loss of your equipment from an accident. Ex: a fire or flood.
  • Loss of equipment from theft (as long as it is documented).

Show Me the Numbers

We know that no two businesses are the same, that is why we provide several options when it comes to camera equipment coverage.

For as low as $55 a year, you can insure your gear. This includes up to $1,000 in coverage per item with a $5,000 aggregate limit.

Need a little more coverage? No need to worry, we have you covered. You can choose to increase your coverage through several different options.

  • $1,000 per item/ $5,000 aggregate – $55
  • $2,000 per item/ $20,000 aggregate – $130
  • $5,000 per item/$30,000 aggregate – $142
  • $10,000 per item/ $60,000 aggregate – $275
  • $15,000 per item/ $75,000 aggregate – $349

Do You Travel?

Are you a travel photographer? Or do you take clients all over the world? Have you ever worried about your camera equipment coverage while traveling internationally? Well worry no longer! Our camera equipment insurance will cover your equipment worldwide! So take that trip and book that shoot and rest assured that your camera equipment is protected.

Protect Your Camera Equipment Today

You have enough to worry about as a business owner, you don’t want to have to worry about what happens when your equipment is damaged or stolen. Give your business one more added line of protection and purchase camera equipment insurance today.

Protect Your Business Today

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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.