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.

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

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

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.

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.

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.