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Camera insurance

Camera Insurance

Although the early digital cameras were only capable of producing low-resolution photographs, today’s digital cameras have now reached the point where the quality is as good as photographs taken with film.

Camera insurance

Photography has increased in popularity since the introduction of digital cameras which meant that photographers no longer had the expense of having to buy rolls of film and then pay for them to be developed. This increase in popularity has meant that more people are finding that they need camera insurance.

Although the early digital cameras were only capable of producing low-resolution photographs, today’s digital cameras have now reached the point where the quality is as good as photographs taken with film.

However, as cameras have got better both in terms of quality and features, they have become more expensive. Even a modest camera with a few accessories can cost over £1,000. And as cameras are complicated pieces of equipment, damaging them can result in expensive repair bills which mean that making sure your camera is properly insured is essential.

Isn’t my camera insured under my household insurance?

Although many people think that their household insurance will cover their camera equipment, often it won’t.

It might not cover you for equipment taken away from your home, or if it does, it might have a limit on such equipment. A specialist camera insurance policy will have a much higher limit. This is vital if you’ve got an expensive camera, and even more so if you’ve got a few accessories such as spare lenses, a separate flashgun, etc.

Even if your household policy covers you for equipment taken away from you home it might not include cover for items while you’re abroad, which means you might not covered while you’re on holiday. As with your household insurance, your travel insurance might have a limit that is lower that the value of your equipment, meaning that it doesn’t provide adequate cover either.

Hired-in equipment

Often camera insurance policies will cover hired-in equipment automatically, or can be extended to do so. This means that if you need to hire a lens for a specific photograph, you don’t need to worry about what happens if you accidentally lose or damage it while you have it on hire, and you don’t have to pay for the hire company’s insurance which can often be expensive.

Camera insurance for professional photographers

Camera insurance is important for amateur photographers, but for professional photographers, camera insurance is essential because household insurance does not usually cover business equipment. Even if your household insurance does cover cameras that are used as part of a business, it will not provide the two extensions that are available under a professional camera insurance policy.

The first of these extensions is professional indemnity which covers you if you fail to produce photographs, for instance if you cannot deliver wedding photographs due to an equipment malfunction. It also covers you for claims of copyright breach, and covers you against libel and slander claims.

The second extension is public liability which covers you if you injure someone or damage their property while you are working as a photographer.

Both the public liability and professional indemnity extensions will also cover you for legal costs so you are not out of pocket if someone makes a claim against you.