Photography and Cameras :: Photographic Equipment Insurance
Photographic Equipment Insurance:
What Photographic Insurance is and Why You Need It
The Need for Insurance
If you have some new camera equipment, or maybe you recently purchased some, you need to think about protecting its value with photographic equipment insurance. As with any other pieces of important gear, there is always the possibility of loss due to theft, or accidental damage. If that happens, it is important that you know that these expensive items will be replaced. After all, as a photographer, your camera is your livelihood; you cannot afford to be without it for any period of time. If you’re a keen amateur photographer, you don’t want to miss photos of all those family occasions.
How to Save Money on Your Insurance.
These days, camera equipment can be extremely expensive. It is not like years ago when a simple 35mm camera, some lights and developing solutions and gear was all you needed. Modern digital cameras are highly technical pieces of equipment and a computer and high quality printer are needed. You really do not want to include such things on your home insurance. The reason is quite simple - the premium would be far too high! So, if you want to save some money on photographic equipment insurance, the wisest move is to insure them separately. By insuring each piece of equipment on an individual basis, if you ever do file a claim, it will not adversely affect the premium you pay on your home. After all, as we all know, the minute you file a claim, your insurance company boosts you premiums!
What does Camera Insurance Cover?
So, the question arises, what exactly does photographic equipment insurance cover? Typically, it covers all your photo equipment in the event of theft, damage, and/or accidental loss. There are even some policies that have a “New for Old” clause. This means, that if your gear is stolen or totally destroyed, the insurance company will pay for replacements. Of course, there is one caveat; the loss of your equipment has to occur within a certain time from when you bought it. Then there is the question of what kind of photographic equipment insurance you need. You might think that covering the camera and computer is enough. Well, do you use other things: lights, video recorder, a camcorder, telephoto lenses, and a high quality printer? If you still make use of old fashioned film, you will have a darkroom and the necessary developing accessories.
Depending on exactly what type of photographic equipment insurance coverage you get, there is also the “Hire Replacement Equipment” feature. You can also add in the personal accident protection, which protects you in the event of injury while you are using the equipment. Then, there is the item that so many people wish they could avoid: the public liability. Unfortunately, these days, society is so litigious, so having some sort of liability coverage is important.
Who Benefits from Photographic Equipment Insurance?
It doesn’t matter if you are an amateur or a professional photographer, camera insurance is ideal for you. There are several different types of photographic equipment insurance available and each has its own variety of plans. Just to give you a brief overview, you can get photographic equipment insurance to cover just your office, or extend it to your home, or even going to another address. If your work includes doing school pictures, weddings etc. then you will need that latter kind of coverage. The critical things you want to consider with photographic equipment insurance are: theft, damage, accidental loss, personal accident and public liability.
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Photography-and-Cameras.com :: Photographic Equipment Insurance