The best camera insurance for photographers: cover your kit!
Your camera equipment deserves proper cover, but who provides the best camera insurance? We all want the best camera – so surely we need the best camera insurance to go along with it. After all, we sink serious cash into our photographic kit, and if the worst happens and it gets lost, accidentally damaged, or even stolen, you want the proper protection in place. The question is, whatever the particular insurance premium may cost, is the alternative – no insurance – something that you can really afford?
Why photographers need dedicated insurance
Setting up a camera insurance policy is sensible if you're running a photography business, but really, it's a good idea for anyone who has invested money in the best cameras, lenses, lighting equipment and other pricey accessories. Just think of all the camera accessories in your setup, from flashguns and tripods to microphones and ND filters… not to mention the glass! Telephoto lenses, portrait lenses, quirky Lensbaby lenses – you can easily end up with a collection of optics that are worth more than your actual camera.
Public liability insurance is also necessary for some photographers, covering you in the case of a member of the public (or client) getting injured or their property damaged as a result of your photography. This type of insurance is wise for wedding, portrait and event pros, or those running workshops in a public space. If you photograph weddings, shoot live music, or cover any other events where you'll be mixing with large groups of people, you may well find that your general household insurance might not cover these situations.
Ripe photography insurance
Ripe offers bespoke insurance for cameras, photographers and videographers. Ripe understands that no two photographers are the same – and neither are two bags of kit. That's why it offers bespoke camera insurance that features:
- Worldwide coverage for traveling.
- Cover against theft from your home or an unattended vehicle.
- Protection against accidental damage both at home and while away.
- Equipment cover for lenses, stands, tripods, cases and other accessories.
- Coverage for portable and studio equipment.
- Public Liability cover.
- An option to add cover for your phones and tablets if they're part of your photography workflow.
| Insurance Feature | Coverage Details |
|---|---|
| Equipment Covered | Cameras, lenses, flashguns, tripods, microphones, ND filters, stands, cases |
| Protection Types | Theft (home/vehicle), accidental damage, loss, worldwide travel cover |
| Professional Needs | Public Liability, studio equipment, portable equipment |
| Workflow Extras | Phones and tablets |