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Why You Should Travel with Camera Equipment Insurance

When traveling with your camera equipment, it’s best to protect your investment and not take any chances. You never know how your gear will be handled during travel, or if you’ll be able to keep it from being stolen.

No matter where your next shoot takes you, be sure to put the proper safeguards in place by purchasing your business investments with camera equipment insurance from Full Frame.

Keep reading to learn more about the benefits of camera equipment insurance.

Why Should I Purchase Camera Equipment Insurance?

You never know what could happen to your equipment while traveling abroad. Your equipment could go through some serious damage during a flight, or it could get stolen. Not only would this put a financial strain on your business, but reporting a theft and replacing your equipment would be time-consuming and an overall hassle.

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.

Can I Add Camera Equipment Coverage To My Insurance Policy?

Yes. You can add a camera equipment insurance endorsement to your annual Full Frame general liability policy. Our event general liability policy does not have camera equipment insurance, so if you would like to add this endorsement, consider purchasing a full year of protection. Your equipment will be insured and you are covered in the case of accidents or property damage. It is a win-win situation in everyone’s book.

Our annual general liability policy is comprehensive. You can find more information below:

Annual Policy Limits for General Liability

General Aggregate Limit (Other than Products – Completed Operations)$ 2,000,000
Products – Completed Operations Aggregate LimitIncluded
Personal and Advertising Injury Limit$ 1,000,000
Each Occurrence Limit$ 1,000,000
Damage to Premises Rented to You Limit (Any One Premises)$ 300,000
Medical Expense Limit (Any One Person)$ 5,000

How Much Does Camera Equipment Cost?

If your equipment is stolen or damaged, we provide the following coverage at these price points:

$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

What is Excluded?

You may be denied when purchasing your policy if any of the following exclusions apply to you or your business:

  • Anyone currently, or in the past, that has photographed or filmed any work that would be viewed as adult material
  • Anyone currently, or in the past, that has performed any work that would be considered paparazzi
  • Any insured that has had any complaints, claims or lawsuits in the past 5 years involving matters of privacy breach, identity theft, libel or other personal or advertising issues
  • Any insured that has been cancelled or non-renewed in the past 3 years
  • Any insured that has had any claims exceeding $5,000

Preparation is key. If you find yourself traveling to various locations, it may be in your best interest to add Full Frame’s equipment insurance to your policy. Protect the tools of your trade and avoid spending thousands of dollars to replace your equipment.

To sign up for the Full Frame annual general liability policy and add equipment insurance to your policy, please click here.

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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.