jules010561

I tried to reply to a post requesting information about insurance, but when I logged in, I could no longer find the post, so I'm going to put this out there. I have Fullframe Photography Insurance. It's legit. I had my local insurance company look it over before I bought it. It's a commercial plan specific to photographers that covers equipment and liability on the job. There are different packages at different prices, but I really don't need much since I'm not a full time working photographer. My gear is covered for up to $5,000 and liability up to $30,000. There is a $250 deductible. My yearly premium is $241. I didn't think that was bad because I'm not usually carrying more than $5,000 worth of equipment at a time. I am considering now that I have 2 camera bodies and a lot more lighting equipment at my home, raising it to $10,000. Like was mentioned in one of the posts, homeowners insurance won't cover you if you are making money with your equipment. That falls under business insurance. I tried to get coverage through our business liability insurance policy but it was very expensive. This was the best I could find to fit my needs. I hope this helps shed some light on insurance for anyone in need of it.

MSW

thanks for the post

Fotoartist Loc: Detroit, Michigan

Just a thought. 2-3 year old used camera bodies today depreciate as fast as automobiles. Lenses are a different story but only if you have an elite lens to start with. Only makes sense if the equipment is new and top of the line.

jeep_daddy Loc: Prescott AZ

Join PPA (Professional Photographers of America) and get 15k equipment coverage and free Data Loss & Malpractice insurance and for $225/yr get liability. I don't know what a membership costs because I'm not a professional photographer but if I were I'm sure I'd join this association.

Picture Taker Loc: Michigan Thumb

The only potential problem might be, you must list the equipment you insure. With the insurance I have I had to list the equipment item by item. I can't own $15,000.00 worth of and carry different stuff each time and only insure it for $5,000.00, and declare what I am carrying different each time. My insurance is a separate rider on my State Farm policy and covers my equipment with no liability. PS the insurance I have covers my laptop but will not cover iPads.

FTn

You might want to look at the fine print in your PPA policy. I believe that they will only give you market value for a claim not replacement value. Big difference.

- FTn

jules010561

You do not have to list any equipment with Fullframe insuranc policy. I don't know anything about PPA. I'm not affiliated with them. This is an independent policy.

GLD

Personal Property Insurance is the way to go. While touring in Russia a team of thieves stole my Nikon 24-70 2.8 right off my camera (they were obviously practiced in this technique) while my camera was over my neck and shoulder. My insurance company replaced the lens with proper documentation. I was glad I had the insurance.

pego101

If you have not made a claim yet it might be legit.

Base_fiddle

Jules - I insurance $7,000 of camera equipment through USAA for an annual premium of $172. A camera fell out of my pocket a couple of years ago, so I reported the accident. USAA paid me the insured value with no questions asked. Excellent coverage. I check the values each year.