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.
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, and inland marine insurance for equipment in transit.
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, and cyber liability 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, and a 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, and 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.
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
Invest in comprehensive insurance coverage—it will help you pursue your passion with confidence and peace of mind.
I hope that helps.
-Hakan.