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Camera Equipment Insurance

Your camera equipment is an investment in yourself and the business you’ve worked so hard to build. The cost of lenses, lighting equipment, and other gear can quickly add up to thousands of dollars and you need the proper protections in place. Whether the next job takes you to an outdoor wedding or the inside of a snazzy studio, it's essential to choose a camera equipment insurance policy that fits your lifestyle. With Full Frame, you're offered tiered pricing, so there’s no need to worry about overpaying for coverage. Protect your camera gear with an insurance policy that is framed specifically for you.

Annual Insurance

with equipment

Pricing

$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 Camera Equipment Insurance?

Photography & camera equipment insurance covers your cameras, lenses, lighting equipment, and other photography gear on and off premises and during transportation. If you are a photographer or videographer who travels to various locations, adding Full Frame’s equipment insurance to your annual policy is necessary to protect the tools of your trade.

Should your equipment—or the equipment you rent—be stolen or damaged, you could be looking at thousands of dollars to replace your gear. A loss of this magnitude could affect your bottom line due to downtime or the financial strain of replacing your equipment.

Get affordable equipment insurance with a Full Frame annual general liability policy included. Our policies are scalable to your unique needs and specific exposures.

If you're interested in adding an equipment insurance package to your annual policy, review the limits and pricing below. Once you choose which option will provide the coverage you need, you can add it at checkout.

 

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages, and review our list of exclusions here.

Frequently Asked Questions About Camera Equipment Insurance

Camera Equipment Insurance is a liability insurance policy designed by Full Frame to protect photographers from the financial burden that occurs when their gear is damaged or stolen. As a professional photographer, it can cost tens of thousands of dollars to repair or replace damaged or stolen gear. Camera Equipment Insurance can mitigate and sometimes eliminate the out-of-pocket cost you would be liable to pay.

Camera Equipment Insurance can be added to a Full Frame Photographer Insurance or Videographer Insurance annual policy for as low as $55 per year. It covers your gear both on and off premises and during transportation—even overseas—so you can rest easy knowing your gear is protected no matter where it is.

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Camera Equipment Insurance provides comprehensive equipment coverage for many common liability risks that professional photographers face when it comes to equipment damage or loss.These risks include:

  • Damaging your equipment on the job
  • Damaging your equipment during transportation
  • Damage to your equipment by a third party
  • Damage to or loss of your equipment as the result of an accident, like a fire or building collapse
  • Loss of equipment from theft, as long as it is documented
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Full Frame provides photographers and videographers with several Camera Equipment Insurance options to fit their business needs. Starting at just $55 per year, photographers and videographers can protect their gear for up to $1,000 in coverage per item with a $5,000 aggregate limit.

If additional coverage is needed, you may opt to upgrade your Camera Equipment Insurance. The highest amount of coverage Full Frame provides caps at the cost of $349 per year for up to $15K in coverage per item with a $75K aggregate limit. There are several options available between the lowest and highest rates.

Full Frame’s Camera Gear Insurance 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
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Hopefully you never have to file a claim for your damaged gear, but if you do, there is a deductible of $250 per item that you will be required to pay before receiving coverage. You will not be required to pay a deductible at any time other than when you file a claim for damaged gear.

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An item is defined as one or more objects that were included together at the time of purchase. For example, if you purchased a camera body that came with a camera lens, both the body and the lens would be considered one item. However, if the camera body did not come with a lens, and you had to purchase a lens separately, each object would be considered as its own individual item.

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Yes! Go ahead and book that international shoot. Our camera equipment insurance is a worldwide policy and will cover your gear outside of the United States. We can insure your cameras, lenses, lighting equipment, and more. This policy is designed to respond to camera equipment insurance claims on and off premises and during transportation.

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ANNUAL POLICY

$129
  • General Liability
  • Product Liability
  • Add Ons Available
    (Equipment Insurance)
 

Now available in:

AL, AZ, AK, CO, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MO, MS, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY

If you do not see your state listed, please check back. We are adding new states regularly and will soon cover all 50 states

 
 

Equipment Insurance

To add equipment insurance to your annual policy, review the limits and prices below to choose the policy which will provide the coverage you need should your equipment become lost or damaged. A $250 deductible applies to all options.

*Not available in all states. Click here to see a list of states that are are eligible for coverage.

Pricing

$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
 
 

Benefits Snapshots

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Proof of Coverage (printable)
  • Robust, Quality Coverage Scaled to Your Business
  • Convenient Online Purchasing
  • Instant Coverage
  • No Deductible on Liability Claims
  • Not Location Specific
  • Peace of Mind