{"id":20685,"date":"2023-04-11T17:28:49","date_gmt":"2023-04-11T16:28:49","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=20685"},"modified":"2025-02-14T10:44:26","modified_gmt":"2025-02-14T10:44:26","slug":"photography-equipment-insurance-in-focus","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/photography-equipment-insurance-in-focus","title":{"rendered":"Photography equipment insurance in focus"},"content":{"rendered":"<div class=\"wp-block-image is-resized\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2020\/03\/dslr-camera-with-broken-cracked-lens-damage-photographer-photography_shutterstock_770386426.jpg\" alt=\"Photography equipment insurance pays for repairs or replacement if your camera's crocked.\" class=\"wp-image-20690\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2020\/03\/dslr-camera-with-broken-cracked-lens-damage-photographer-photography_shutterstock_770386426.jpg 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2020\/03\/dslr-camera-with-broken-cracked-lens-damage-photographer-photography_shutterstock_770386426-300x150.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>In the same way that a case and lens cap protect your camera, so the right photography equipment insurance protects your business. <\/p>\n\n\n\n<p>You rely on your kit as much as your skill in operating it to do your job, and a smashed DSLR or missing flashgun can spell instant trouble. Replacing gear at short notice is impractical and expensive, and since cancelled jobs mean unhappy customers and lost money, it\u2019s better to have a plan B.<\/p>\n\n\n\n<p>That\u2019s where <a href=\"https:\/\/www.policybee.co.uk\/photography-equipment-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">photographers\u2019 equipment insurance<\/a> comes in. But you need to make sure you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>get the right policy for what you do<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>buy enough cover for ALL your equipment<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stick to the conditions set out in your policy wording if you want your claim paid.<\/li>\n<\/ul>\n\n\n\n<p>Here&#8217;s everything you need to know.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why won\u2019t my home contents insurance cover my gear?<\/h2>\n\n\n\n<p>Good question. If you store your gear at home, you\u2019d expect it to be covered by your home contents insurance, right? <\/p>\n\n\n\n<p>Unfortunately, it\u2019s not as straightforward as that \u2013 you need to check your policy wording very carefully. The clue\u2019s in the name and many <em>home<\/em> contents policies make a distinction between items for personal use and those for business use. <\/p>\n\n\n\n<p>Then there\u2019s the whole matter of high value. As a rule of thumb, there\u2019s a value limit for items insured under home contents cover, usually around the \u00a31,500 mark. Anything above that needs to be \u2018named\u2019. So, if you have expensive specialist kit like cameras, lenses, and laptops loaded up with image-processing software, beware.<\/p>\n\n\n\n<p>And going back to the crucial \u2018home\u2019 part of general contents insurance, don\u2019t forget that you take your kit out and about with you, away from the home. That means to protect your gear while you\u2019re working, you\u2019d need to arrange extra cover, at an extra price. <\/p>\n\n\n\n<p>Photography equipment insurance is specifically designed for the needs of professional photographers. So it\u2019s a much better bet.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can I cover just some of my kit with photography equipment insurance?<\/h2>\n\n\n\n<p>You could&#8230;but it wouldn&#8217;t do you many favours. It&#8217;s like plumping for a close-up shot when the obvious option is the full panorama.<\/p>\n\n\n\n<p>To make sure you\u2019re in no danger of being left out of pocket if you need to make a claim, you need to add up the value of <strong>all <\/strong>the things you use to run your business &#8211; from the most expensive technical kit to the everyday bits and pieces. Then buy enough photography gear insurance to cover everything.<\/p>\n\n\n\n<p>So that&#8217;s cameras, lenses, flashes, tripods&#8230;.all the (costly) photographic equipment you use to do your job. Then add any phones, laptops, tablets etc to the mix. And if you work from a studio, all the stuff you have there too, including fixtures, fittings and props.<\/p>\n\n\n\n<p>Because if the whole lot goes missing in a burglary, or gets ruined in a flood, you\u2019ll want to be able to claim for all of it. Not just some of it, or up to a certain amount. Be aware also that you need to value items at their replacement cost, not what you paid for them in the first place.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What happens if not having the kit I need stops me working?&nbsp; <\/h2>\n\n\n\n<p>A good photography equipment insurance policy will pay for you to hire the kit you need to tide you over in the meantime if yours is sent away for repair. Or there\u2019s a delay in sourcing a replacement. <\/p>\n\n\n\n<p>That can be a godsend if you\u2019ve already got jobs booked in. It keeps your revenue on a roll and means you don\u2019t have to risk your reputation by letting clients down at short notice. <\/p>\n\n\n\n<p>Usually, you\u2019ll have to source the equipment you need yourself, get a rental price and clear it with your insurer first. But that\u2019s a small price (not) to pay to keep your business firing on all cylinders<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does my photography equipment insurance cover me abroad? &nbsp;<\/h2>\n\n\n\n<p>As usual, it depends on your policy wording. So read it carefully. Many photography equipment policies will only cover you for the work you do within UK borders, to fulfil contracts written under British law.<\/p>\n\n\n\n<p>But it\u2019s often\npossible to extend your cover to include any jobs you\u2019ve lined up further\nafield, both within the European Union and worldwide. Extending cover will\nincrease what you pay a little bit of course, but that\u2019s because the insurer is\ntaking on more risk.<\/p>\n\n\n\n<p>So, it\u2019s common sense, whichever way you look at it. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How can I help make sure my equipment claim will be successful? <\/h2>\n\n\n\n<p>It\u2019s important that you play by the rules of your policy wording. And where photography equipment is concerned, that usually means making certain you don\u2019t leave your kit anywhere it could more easily fall victim to light fingers.<\/p>\n\n\n\n<p>Basically, you need to make sure your gear is as safe as it can be. So, if you leave it in a vehicle temporarily, it has to be out of sight in a locked compartment like the boot or glove compartment. Likewise, any gear you\u2019re not actually using while on a shoot should be stored in a locked room. <\/p>\n\n\n\n<p>Your data also needs taking care of, so you should make certain to back it up regularly. And that doesn&#8217;t just mean transferring images from a memory card onto your laptop. It means keeping a second copy as a safeguard. <\/p>\n\n\n\n<p>Other things that&#8217;ll help state your case during a claim is keeping the receipts for any equipment you buy. And making sure your business name (AKA the name in your policy docs) is on them, too. <\/p>\n\n\n\n<p>If that\u2019s a stretch, then taking photographs (all in a day\u2019s work) of any items you no longer have proof-of-purchase for is a good idea. That way, you have your own personal inventory. And can demonstrate the items you\u2019re claiming for were for business use only. Happy insurer = happy you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is my equipment covered if it stops working?<\/h2>\n\n\n\n<p>You can claim\nunder your professional camera equipment insurance if, say, you drop your DSLR (butterfingers!)\nand it stops functioning as a direct result. That\u2019s straightforward accidental\ndamage.<\/p>\n\n\n\n<p>But if your camera or anything else fails during a shoot because of a mechanical or electrical fault, then it\u2019s not covered. For that, you also need <a href=\"https:\/\/www.policybee.co.uk\/blog\/equipment-breakdown-insurance-claims-examples\" target=\"_blank\" rel=\"noreferrer noopener\">equipment breakdown insurance<\/a>, which covers your computers too. It\u2019ll also pay to help retrieve any data lost during the breakdown.<\/p>\n\n\n\n<p>What equipment breakdown insurance doesn\u2019t cover though is when a piece of kit stops working through wear and tear. That\u2019s just life.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Snap happy<\/h2>\n\n\n\n<p>So, to bring things into focus, it&#8217;s fair to say that photographers rely on their kit to run their business. A photographer without a camera is like a car mechanic without a wrench\u2026or these days, without a suite of diagnostic testing equipment.<\/p>\n\n\n\n<p>But just as a mechanic&#8217;s tools of the trade have become more complex and pricey over time, so has camera equipment. And photographers can amass quite a bit of gear as the years roll by. Gear they rely on to earn a living.<\/p>\n\n\n\n<p>If you\u2019re ready to press the button on <a href=\"https:\/\/www.policybee.co.uk\/photography-equipment-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">equipment insurance for photographers<\/a>, click on the link to get a quote. Or you can call the team on <strong>0345 222 5391<\/strong>. <\/p>\n\n\n\n<p><em>Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In the same way that a case and lens cap protect your camera, so the right photography equipment insurance protects your business. You rely on your kit as much as your skill in operating it to do your job, and &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/photography-equipment-insurance-in-focus\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[287,290],"tags":[237,51,178],"class_list":["post-20685","post","type-post","status-publish","format-standard","hentry","category-more-business-insurance","category-self-employed-and-freelance-advice","tag-freelancers","tag-photographers","tag-portable-equipment-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Photography equipment insurance in focus<\/title>\r\n<meta name=\"description\" content=\"Having the right photography equipment insurance can stop the shutters unexpectedly coming down on your photography business. 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