Covering Your Bases: Equipment Insurance

Source: Terry White's Tech Blog.

A few weeks ago I wrote about safety when it comes to setting up a shot in public places, but there's another, equally important aspect about safety that deserves its own post. Your gear is what allows you to capture the best images for your clients, so insuring that equipment may just save you from a major financial setback if something should happen. You may find that your homeowner's insurance won't cover equipment that you use to make a living. Talk to your agent to find out, and if you need to add more coverage for your photography gear, check out the options below!

• Start with basic coverage through an association membership. Groups like PPA offer coverage up to a certain dollar amount once you join (in this case, up to $15,000). More coverage can be added up to $100,000.00 with their PhotoCare Plus plan.
• Package Choice through Hill & Usher is a popular plan in the photographic community. The site allows you to easily add or delete items from your insured equipment schedule.
• Another provider is TCP & Co., which offers options that look great for studio owners. 

While you're at investigating equipment insurance options, take a look at this article by The Modern Tog about other types of insurance you should think about purchasing if you plan on starting your own business. Protect yourself, your family, and your business for peace of mind while you do what you love!

-Friday Ambassador

Works Cited:

Brenke, Rachel. "Photography Business Insurance Coverages Every Photographer Needs." The Modern Tog. TheModernTog.com, 2014. Web. 24 July 2014.

Hill & Usher, LLC. "Package Choice™ Insurance for Professional Photographers from Hill & Usher Insurance & Surety, LLC." Package Choice™ Insurance for Professional Photographers from Hill & Usher Insurance & Surety, LLC. Hill & Usher, LLC, 2014. Web. 24 July 2014.

PPA. "PPA Insurance Solutions | PPA." PPA Insurance Solutions | PPA. Professional Photographers of America, 2014. Web. 24 July 2014.
TCP & Co. Inc. "Photography Insurance." Studio Photography Insurance. TCP & Co. Inc., 2014. Web. 24 July 2014.

White, Terry. "How I Broke My D700 By Tethering - Terry White's Tech Blog." Terry White's Tech Blog. Terry White, 22 Sept. 2011. Web. 24 July 2014.