InsureMyEquipment.com
Camera Equipment Insurance
What is camera equipment insurance?
Whether you're a professional photographer or an avid enthusiast, your camera gear can be quite valuable. It’s both essential to your photographing and is undoubtedly worth a tidy sum. Purchasing camera equipment insurance may help ensure you can replace your gear should something happen to it.
Camera equipment insurance provides specialized coverage for cameras and related photography gear. Coverage against various causes of theft, damage and loss is available for most gear.
Who should consider camera gear insurance?
Camera gear insurance isn't limited to a certain category of photographers. Any individual who has made substantial investments in their equipment should consider a camera insurance policy. For many, coverage makes sense when the cumulative value of gear is in the four or five figures.
Some examples of photographers who frequently purchase camera gear insurance include:
- Landscape and wildlife photographers
- Portrait and wedding photographers
- Product and commercial photographers
- Sports and event photographers
- Fashion photographers
- Underwater photographer specialists
- Photojournalists
- Hobbyists
In addition to professionals who work in these fields, avid enthusiasts might also purchase camera gear insurance if they’ve invested a lot in their gear. An insurance agent who specializes in these policies can help professionals and enthusiasts alike determine weather camera gear insurance makes sense for them.
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What equipment can camera gear policies cover?
Camera gear policies are available for most types of photography equipment. In addition to covering cameras (mirrorless, DSLRs, etc.), policies might also cover:
- Lenses and lens filters (IS lenses, telephoto lenses, macro lenses, etc.)
- Flashes (speed lights, monolights, pack-and-head lights, etc.)
- Other lighting gear (LED lights, umbrellas, etc.)
- Props (portable backdrops, staging props, handheld props, etc.)
- Cards and batteries (memory cards, card readers, camera batteries, etc.)
- Stabilizers (tripods, monopods, etc. )
- Underwater housing
- Other gear as outlined within the policy’s terms
If there’s any question as to whether a policy will cover specific equipment, photographers can review a policy’s coverages with an insurance agent who’s specialized in camera gear coverage.
How does camera insurance handle expensive gear?
Camera gear policies usually have an unscheduled limit, which normally covers all cheaper gear up to a maximum amount for everything. For instance, a policy might have an unscheduled limit of $25,000.
Expensive gear may have to be listed, or part of the policy’s schedule. Schedule limits are item-specific, and allow photographers to insure highly valuable cameras and equipment for specific amounts. A policy might cover a camera for $5,000 and another for $7,500, for instance.
Owned gear must be valued above $2,000 to be listed on the policy schedule.
Are used and older camera equipment covered?
Yes, used and older camera equipment can usually be insured. Any claim payout for this gear would likely be on the lower end, given that used and older camera equipment has depreciated in value. An unscheduled limit might cover these items well, though.
How much does insuring camera equipment cost?
The premiums charged for camera gear policies are based on multiple factors, and thus insurance costs can vary. The value of the camera equipment being insured is one of the main factors that influence premiums, although there are others. For example, adding on coverage for theft from an unlocked vehicle may increase the premium.
Many photographers are surprised at how affordable insurance can be, even though premiums can vary. For just a few hundred dollars annually, a policy may insure many thousands of dollars in equipment.
You can see just how much insurance for your equipment will cost by getting a custom quote online.
Where can photographers get camera equipment insurance?
If you're a photographer looking for a robust insurance policy for your equipment, check the coverages that we at Insure My Equipment offer. You can see coverage terms when getting a quote for a camera equipment insurance policy, and you can purchase the policy directly through our website if the coverages meet your needs.
InsureMyEquipment
757 S Alameda St UNIT 350, Los Angeles
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The website is straightforward and makes getting insurance easy! I've never filed a claim so can't speak to that process.
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Insure My Equipment has always been very responsive to my various insurance-related questions and requests over the years and I love how their website is so intuitive making policy set-up and changes really easy. Competitive pricing, too. I highly recommend them, especially my friends and colleagues in the film/photography business.
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We've been working with InsureMyEquipment for a few years now and they are reliable and it's not just a form that you're sending money to. They have real people on the other side that will reach out and sort things out when you need them. As a company, we really appreciate their professionalism and their price-point.
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I've used these guys for years to insure computer equipment I use for my career in the touring music industry. Unfortunately I had to make a claim when a case got stolen in Paris. My adjustor was very sympathetic and worked with me to get money quickly back in my pocket to replace the gear. Worth every cent for peace of mind.
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I have used their insurance products for the entirety of my professional courier and have been very happy. They are very personable, and the website makes it incredibly easy to customize my policy and generate a COI when needed. Could not recommend more highly!
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