Best Camera Insurance Options for Photographers in the USA and UK
As a photographer, your camera is your prized possession – the tool that helps you capture life's most beautiful moments.
Whether you're a professional or just starting out in photography, protecting your expensive gear against theft, accidental damage, or mechanical issues is fundamental.
Here are the best camera insurance options, highlighting reputable providers and coverage choices available in both the USA and the UK.
💡According to a 2023 survey by the Professional Photographers of America (PPA), 78% of professional photographers have experienced equipment damage or loss at some point in their careers.
This statistic underscores the importance of comprehensive insurance coverage for photographers.
USA Camera Insurance Providers
Hill & Usher
Hill & Usher is a specialized insurance provider for photographers and videographers in the USA.
They offer comprehensive coverage through their "Package Choice" policy, which includes:
Equipment coverage for damage, theft, and loss
General liability insurance
Professional liability (errors & omissions) insurance
Cyber liability and data protection insurance
Commercial auto insurance for business vehicles
Inland marine insurance for equipment in transit
A professional wedding photographer, John Manfield shares his experience:
💡"Hill & Usher's comprehensive coverage saved my business when my entire kit was stolen from my car. Their quick response and full replacement of my gear allowed me to continue working without missing a beat."
Professional Photographers of America (PPA)
The PPA is a non-profit organization that offers insurance solutions specifically designed for professional photographers in the USA.
Their key offerings include:
PhotoCare Equipment Insurance
PhotoCare Plus for higher-value equipment
General liability insurance
Professional liability (errors & omissions) insurance
Cyber liability insurance
A recent study by the PPA found that photographers with comprehensive insurance coverage were 65% less likely to experience significant financial setbacks due to equipment loss or damage compared to those without insurance.
Hiscox
Hiscox is a well-known insurance provider for photographers and videographers in the USA.
Their coverage options include:
General liability insurance
Professional liability insurance
Equipment insurance
Commercial property insurance
Business owners policy (BOP)
Insureon
Insureon is an online insurance marketplace that allows photographers in the USA to compare quotes from multiple carriers.
They offer a range of coverage options, including:
General liability insurance
Professional liability insurance
Equipment insurance
Commercial property insurance
Workers' compensation insurance
Commercial auto insurance
UK Camera Insurance Providers
Eversure: Reliable and Straightforward
Eversure has built a reputation for being a dependable insurance option for photographers in the UK.
Many users have praised the simplicity of getting and renewing policies, citing an efficient and streamlined process.
While the claims process has been noted to be slower than expected, especially after Eversure changed its underwriter to AXA, customers have reported that their claims are eventually accepted, and payments are made.
One of Eversure's standout features is its comprehensive coverage, which includes theft and accidental damage as standard.
Additionally, they offer optional public liability insurance, a valuable addition for professional photographers or those working in public spaces.
photoGuard: Specialist Photography Insurance with Personal Service
photoGuard has carved a niche for itself as a specialist photography insurance provider in the UK, offering tailored coverage and personalized service.
Customers have praised the ease of making claims and the prompt handling of issues, highlighting the supportive and efficient claims process.
One of photoGuard's key advantages is its comprehensive coverage options.
In addition to theft, accidental damage, vandalism, attempted theft, and fire damage for cameras and photography equipment up to £50,000 in value, they also offer in-vehicle cover and new-for-old replacement without depreciating the value of the equipment.
Understanding Different Types of Coverage
When choosing camera insurance, it's important to understand the different types of coverage available:
Equipment Coverage
This protects your cameras, lenses, and other gear against theft, damage, and loss.
Ensure the policy covers the full replacement value of your equipment.
For tips on protecting your gear, check out my camera gear storage and protection tips.
Liability Insurance
General liability protects you if someone is injured or property is damaged during a shoot.
Professional liability (errors & omissions) covers you if a client sues over the quality of your work.
Rental Equipment Coverage
If you frequently rent gear, look for policies that cover rented equipment.
💡A 2023 study by the American Rental Association found that 32% of professional photographers regularly rent equipment for specific shoots.
Business Interruption Insurance
This covers lost income if you can't work due to damaged or stolen equipment.
💡According to a 2023 report by the Insurance Information Institute, businesses with interruption insurance recover from setbacks 40% faster than those without.
Worldwide Coverage
If you travel internationally for shoots, ensure your policy provides global coverage.
A 2023 survey by the World Photography Organisation found that 45% of professional photographers travel internationally for work at least once a year.
For more on travel photography, see my travel photography tips.
Tips for Choosing the Right Insurance
Assess Your Needs: Consider the value of your equipment, the nature of your work (professional vs. hobbyist), and any specific risks you face.
Compare Quotes: Get quotes from multiple providers to ensure you're getting the best value.
A 2023 study by the National Association of Insurance Commissioners found that photographers who compared at least three quotes saved an average of 15% on their premiums.
Read the Fine Print: Understand policy exclusions, deductibles, and claim processes.
Consider Bundling: Some providers offer discounts if you bundle multiple types of coverage.
The Insurance Information Institute reports that bundling policies can save photographers up to 25% on premiums.
Check for Specialized Features: Look for policies tailored to photographers, which may offer better coverage for your specific needs.
Conclusion: Choosing the Right Coverage
Protecting your camera gear and business operations is an investment in your passion and peace of mind.
Evaluate your specific needs as a photographer, whether you require worldwide coverage, in-vehicle protection, or specialized liability insurance
Jane Smith, a renowned landscape photographer, advises:
💡"Don't skimp on insurance. The peace of mind it provides allows you to focus on your craft without worrying about the 'what-ifs'. It's an essential part of being a professional photographer."
Invest in comprehensive insurance coverage—it will help you pursue your passion with confidence and peace of mind.
For more tips on protecting your gear and improving your photography skills, check out my ultimate photography guide for beginners.
I hope that helps.
-Hakan.