Does My Equipment Need Insurance?


While making your living as a photographer, videographer or in the production field, you will need insurance on your equipment. Your camera, editing computers, lenses and accessories are vital to your ability to do your job, and an accident may take items out of commission and be catastrophic to your career. By purchasing the right type of insurance for your business, you will be able to keep your equipment covered and replaceable in emergency situations.

What Kind of Coverage Do You Need?

 If you are going to be traveling in any extent with your equipment, you should invest in international coverage so you are not stuck in a different location without any means of replacing your camera or lenses. If you are working as more of a hobby, you may be able to just purchase insurance to cover your equipment in the case of a home, boat or car accident.

You should make sure you are covered by at least one of the below options:

Professional & General Liability Insurance

If you are a professional photographer or videographer, you need to be covered by liability insurance. Liability insurance will protect you in instances of property damage, injury, and malfunction. Error and emissions coverage falls under liability insurance, protecting you in instances of missed shots or footage or disgruntled customers.

Homeowner’s Insurance

If you are taking on photography and video projects as a side job, you will be able to cover your equipment in case of theft and damage under your homeowner or renter’s insurance policy. You will simply be able to list the equipment under the policy to have it properly insured.

Equipment & Liability Insurance for Your Production

Making sure your equipment is properly insured is vital to keeping your burgeoning business afloat. If you need to purchase insurance for your cameras and lenses, contact Arts & Entertainment Insurance LLC today. We will provide you with an estimate to insure all of your production equipment for as long as you need. Arts & Entertainment Insurance can be reached by calling 800.676.9374 or by filling out our online contact form.

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