7 Camera Insurance Options - Which is the Best One to Buy?

Camera insurance helps you to focus more on your skills and craft, thus maximizing your outcome. You may counter unexpected difficulties, lawsuits, gadget damage, or injuries. This is where camera insurance comes in to ensure you are prepared if it happens. We will discuss the top camera insurance available and compare them to help you find one that suits you.

7 Best Camera Insurance in 2023

1. Eversure

Image credit: eversure.com

Eversure is a worldwide professional camera insurance company established in 2008 to ensure flexibility and safety. It covers you against theft and accidental damage, legal expenses and loss of camera through car theft. Moreover, you can also insure your portfolio, hired gadgets and even yourself from client complaints over results. They also cover equipment like tablets, phones, studio gadgets and drones. With as low as 19.99 pounds, you can access their premium option.

Pros 

• Great customer service
• Quick set up

Cons

• It is slightly expensive

Best for 

Professionals and amateurs.

2. Thimble

Image credit: thimble.com

Thimble was started in 2016 though it has long-established third-party insurers who guarantee their business insurance policies. Commercial auto policy, professional, worker's compensation, and general liability insurance are all available through Thimble. They also have on-demand insurance covering medical expenses, errors and omissions, medical bodily injury, and third-party property damage. The general liability goes for 480 dollars annually with a 1 million limit and a 500 discount on 25000 dollars to cover equipment and property.

Pros

• Cost-effective policies
• Altered Liability limits 
• Offers coverage for a day

Cons

• Lack of an internal claims team
• Issues with making policy changes
• Not available on weekends

Best for

• Freelance photographers 

3. Full Frame

Image credit: fullframe.com

This camera insurance is great for videographers and photographers. It is managed and underwritten by Insurance Canopy and Partner Veracity Insurance Solutions LLC. Their camera equipment insurance is covered under inland marine, while the errors and omissions are under professional liability. With Full Frame, you can also include a second industry in your certificate of liability insurance for photography. Their annual policy goes for 129 dollars; the event policy is 59 dollars with a 2 million coverage limit.

Pros

• Offers online services
• Budget-friendly
• 24-hour availability of policy documents
• Allows insurance customization based on specific requirements

Cons

• Lacks workers' compensation or liability insurance
• Limited availability to only 44 states

Best for

One-day events and photography hobbyists.

4. Hill & Usher

Image credit: hill&usher.com

It started in 1995 to insure businesses across the USA and guarantees photographers under the package choice program. The error and omissions (Professional liability) cover entails groundless lawsuits and protection of the wall in case there are allegations from a client leading to a loss. Hill & Usher also has general liability in case of property damage and bodily injury. There are also covers for gadgets, studio equipment, extra expenses, computers, phones, landlords, and venues. The prices range from 400 to 500 dollars based on the state and insurance carrier with a 1 million limit or more.

Pros

• Great for photographers who require extensive coverage
• An online-accessible quotation building is available.
• Works together with consumers to establish coverage and policies.

Cons

• Old website

Best for

Photographers with studios

5. Aaduki

Image credit: aaduki.com

This camera insurance company was launched in 20005 to offer expert advice on risk management to photographers. It provides worldwide coverage on total theft, including unattended theft and even in-vehicle cover. Moreover, you can also cover hired equipment in case of damage. Aaduki provides interest-free monthly installments to split your payments over 12 months without paying more. Their premium option for experts and novice photographers starts at 65 pounds.

Pros

• It offers professional advice
• Easily customizable policies
• Discount for those in the photography trade body

Cons

• No short-term insurance. Only has annual insurance.

Best for

Expert insurance coverage for photographers and videographers.

6. Ripe Photography Insurance

Image credit: ripeinsurance.co.uk

Ripe started in 1998 and has grown, thanks to their dedicated support team in Manchester. It covers your camera and equipment against accidental damage and theft worldwide. This insurance company also covers in-vehicle, hired equipment, public and employer's liability insurance, and professional indemnity in case of damage or loss. Some gadgets Ripe covers are lenses, portable lighting equipment, tripods, stands, lenses, printers, and computers. Their policies start at 5.09 pounds monthly though they have a 20 % discount ongoing.

Pros

• Easy personalization and set-up
• Excellent customer care
• Double-checking the kit bag on a particular page

Cons

• Some people have issues when it comes to making claims

Best for

Customized policies and camera equipment

7. The Hartford

Image credit: hartford.com

It is an insurance company that has been in business since 1810; thus, it offers a lot of expertise thanks to its experience. They have a general liability cover and a Business Owners Policy(BOP) for small photography businesses. The business's property insurance covers rented or owned businesses and equipment like flashes and cameras. Other covers include workers' compensation, lawsuits, and employee liability, and it even covers your photography team.

Pros

• Multiple coverage options
• Online quotes are available
• reputable insurance company with financial stability

Cons

• Delay in handling claims
• Pricey

Best for

Covering your employees 

Top 3 Recommendations

1. The best comprehensive one – The Hartford

• Offers camera equipment insurance
• Ensures property owned or rented 
• Insures your employees and employers

2. The best budget one – Full frame

• It has event coverage 
• The annual prices are affordable
• The ultimate coverage offers a lot for less cost

3. The largest audience - Evesure

• Great for both novice and professional videographers and photographers
• Easy to set up, thus making it suitable for everybody.

Conclusion

The best camera insurance can be acquired quickly, makes it simple to provide a certificate of insurance, and offers you access to your papers when needed. Therefore, whether you are a pro or an amateur, hobbyist, traveler photographer, own a photography team, or more, there is something for you. Enjoy stress-free photography by choosing the camera insurance that best suits you and your needs.

If you like this article, please share it! Be sure to join our FB Group: https://www.facebook.com/groups/Katebackdrops/ to share your ideas! You can also receive free articles, updates as well as discounts information from https://www.katebackdrop.com/ and our FB Group.