Camera Equipment Coverage
Because broken gear shouldn’t break your business. Add coverage for your camera equipment and keep shooting with confidence.
Benefits of Camera Equipment Coverage for Photographers and Videographers
Camera equipment coverage (aka inland marine insurance) saves you from paying out of pocket if the gear you rely on most gets damaged or stolen. Repair and replacement costs are a drain on your bottom line, but equipment coverage protects your profits. This coverage also:
- Offers up to $15,000 per item for $75,000 of total protection (with an Annual+ policy)
- Protects cameras, lenses, gimbals, tripods, and other equipment
- Defends against claims caused by travel
- Safeguards your gear from damages caused by a third party
FFI Has Your Back
Not sure what camera equipment insurance covers? We’ll handle the repair and replacement fees so you have peace of mind while capturing the perfect shots.
Get peace of mind today.
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
What Is Camera Equipment Insurance & What Does It Cover?
Camera equipment insurance covers your gear from the most common risks that come with the territory.
Damage to Your Equipment on the Job
Example: While photographing a family portrait, your camera strap snaps, falls on the ground, and the lens breaks. Now you have to find a replacement while waiting for your lens to get repaired — and you also have to put future photoshoots on hold until it’s fixed.
Damage to Your Equipment During Transportation
Example: You’re driving to an outdoor session across town with your gear in the backseat. Someone rear-ends you and damages most of your equipment.
Damage to Your Equipment by a Third Party
Example: While recording a music video at a rented studio, one of the extras bumps into a table with your laptop, causing it to fall on the ground and break.
Damage to or Loss of Your Equipment as a Result of an Accident
Example: At a warehouse photoshoot, a faulty fusebox throws a spark, causing a fire that destroys all of your gear.
Loss of Equipment From Theft
Example: Someone runs up to you and steals your camera bag off your shoulder. You file a police report and document your stolen items.
Note: If your gear was left unattended and someone steals it, you’re NOT covered.
Camera Equipment Insurance Explained
Is Camera Equipment Insurance Required for Photographers?
Camera equipment insurance is not legally required. However, this coverage is essential if you own or rent equipment for your business. Your gear is your livelihood, and losing it not only costs you money to replace it, but also jobs while you’re without it.
This coverage is a must-have because it:
- Protects your gear from the unexpected: If your equipment is damaged or stolen while you’re working or traveling to a job, this coverage is there to save the day.
- Fills the gaps in your liability coverage: General liability and homeowners’ insurance don’t typically protect gear used for your business, but inland marine provides a safety net.
- Provides a smooth claim-filing process: While we hope you never have to file a claim for your gear, the process is super easy. All you need are your equipment serial numbers, receipts, the police report, and the approximate date, time, and location of the incident.
Who Needs Camera Equipment Insurance?
Short answer? Probably you!
Most photographers and videographers need protection for the gear they use to provide their services. In other words, if you’re a photographer or videographer and you own or rent your gear, you need camera equipment coverage.
If you do any of the following, camera equipment insurance is a must. We offer coverage for:
How Much Does Camera Equipment Insurance Cost?
Camera equipment only costs $10 a month or $130 a year when you add it to an annual policy. If you upgrade to our Annual+ plan, you can choose from three price tiers:
- $5,000 per item/$30,000 aggregate = $12/month
- $10,000 per item/ $60,000 aggregate = $145/month
- $15,000 per item/ $75,000 aggregate = $229/month
Note: All policies include a $250 deductible that you have to pay out-of-pocket before Camera Equipment coverage kicks in.
Coverage Details & Limits
Annual Plus
Includes camera gear protection. Protects professional photographers for a full year.
$22.83/ month
- Cameras, Lenses, and More Protected
- $2,000 per item / $20,000 aggregate
- Professional and Cyber Coverage Available
Photography Equipment Insurance Details
You can add to your Annual Plus coverage with the following options:
-
$5,000 per item/$30,000 aggregate - [MOST POPULAR] + $12
-
$10,000 per item/ $60,000 aggregate + $145
-
$15,000 per item/ $75,000 aggregate + $229
* $250 Deductible
Camera Equipment Insurance FAQs for Photographers and Videographers
What Types of Equipment Are Covered Under Camera Equipment Insurance?
- DSLR and video cameras
- Laptops
- Tripods
- Gimballs
- Lenses
- Softboxes
- Ring lights
For more details on policy exclusions, call our customer service department at 844.670.1078 or email us at info@fullframeinsurance.com.
How Quickly Can I Get a Quote for Camera Equipment Coverage?
You can get a quote for camera equipment coverage in 10 minutes or less when you apply for an Annual or Annual+ policy.
What’s the Process for Filing a Claim if My Gear Is Damaged During Transit?
Filing a claim with FFI is as easy as point, click, and shoot:
- Gather your policy information, the location, date, and approximate time of the incident, a police report, and receipts for items
- Log in to your customer dashboard
- Visit “Manage Policies”
- Click “File a Claim”
Fill out the form and submit
How Long Does It Take for a Claim to Be Processed?
Claim processing times take approximately two or three weeks. Be sure you provide as much detailed information about the incident as possible when filing your claim online, and provide your full cooperation with your claims adjuster.
Full Frame Reviews
Here’s what other photography professionals have to say about their experience.
Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.
Great, fast insurance at a perfect price. We work and shoot weddins internationally so it was super convenient to have fast, easy coverage for the few weddings that we had in the states this year. There were a couple of changes that I needed to make after purchasing a single-day policy and their customer support was super helpful and fast. Thank you, Full Frame!
The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!
Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.
Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.
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Chris Van Leeuwen, CIC | VP of Agency Development
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Chris Van Leeuwen is the VP of Agency Development for Full Frame Insurance. He has held the prestigious Certified Insurance Counselor (CIC) designation since 1996.
Because he strongly believes in the importance of helping business owners understand their insurance coverage, Chris uses his wealth of experience to offer insights to small business owners across the country who are looking to navigate business liability insurance.
Kyle Jude | Program Manager
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.
Kyle Jude is the Program Manager for Full Frame Insurance. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.