Contact Us   |   Chat Now

Now offering monthly payment options at checkout! Starting at $12/month

camera equipment laid out

How to File an Insurance Claim for your Camera Equipment

Filing an insurance claim can be a daunting task. However, if you’re well prepared and understand how to file a claim in advance, it can make the process go a lot more smoothly. If your camera equipment has been involved in an accident, stolen, or damaged, here’s how to file a claim with Full Frame.

What is a Camera Equipment Insurance Claim?

Camera equipment insurance claims are similar to other types of property insurance claims. Although the coverage varies, the process remains the same.

A claim is when you officially request remittance from your insurer due to a loss or damage to the property that is covered by your policy.

A claims representative will review your claim to make sure that the circumstance is covered by the policy.

Oftentimes, you’ll be asked to provide documentation to verify the incident.

What does camera equipment insurance cover?

Camera equipment insurance covers your cameras, lenses, lighting equipment, and other photography gear on and off premises and during transportation up to the limits of your policy.

How to File a Camera Insurance Claim:

  1. Report the Incident

    If necessary, the first step is to report any incident that involves a violation of the law to the police. For example, when your camera equipment is stolen.

    If your claim doesn’t require you to contact the authorities, document the situation and move on to the next step.

  2. Assemble Necessary Paperwork

    Make sure you have your paperwork ready. In order to effectively document the incident, include the who, what, when, where, why and how. If possible, compile any receipts you have for the covered equipment involved in the claim.

    You will be asked to provide a detailed description of the property involved in a claim when you call your insurance agent.

  3. Contact Your Insurance Agent Immediately

    Your agent will be able to guide you through each step of the claims process. The sooner you contact your agent and get the required information to them, the smoother the process with the insurance carrier will be.

  4. Protect the Camera Equipment from Further Damage

    Keep a record of your expenses necessary to protect the covered property, i.e. camera equipment, for consideration in the settlement of the claim.

  5. Do Not Incur Expenses Without Consent of the Insurer

    Doing so could result in further financial loss to you. Insurance companies may not cover expenses if you have not received approval from them prior to paying out.

    We strive to make our claims process as easy as possible, nevertheless, the experience leading up to a claim can be stressful. It’s our goal to provide you with a resolution as quickly as possible, and as our client, we have your best interests in mind. You’ve entrusted us to insure your valuables and you can trust us to help you when you need us.

If you need to file a claim with Full Frame Insurance, please contact us today. If you’re in need of high-quality insurance for your photography business or equipment, you can find out more here.


Related Articles

Inland Marine Insurance University

Portrait photographer, photojournalism, fashion photography, sports photography, editorial photography, lifestyle photography, nature photography, the list could go on and on! Does your photography business fall

Read More

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.

'Failure to Deliver' Coverage
(Professional Liability)

‘Failure to Deliver’ Coverage, also known as 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.