Getting the correct camera insurance coverage can provide you with a piece of mind and protection in case something goes wrong. The best camera insurance companies for photographers offer reasonable premiums and more than sufficient coverage, both in terms of amount and type, to cover any project you may be engaged in. Therefore, in this article, we have chosen the top five greatest camera insurance providers below.
List of Contents
1. Thimble
Best for Overall
Thimble was selected as the best overall photography insurance due to its low cost, user-friendliness, positive customer ratings, and robust coverage options for small businesses that are suitable for the majority of photographers. You may manage your insurance policy straight from your mobile device. Moreover, you can even cancel coverage or purchase temporary insurance for as little as one hour.
In addition, you can obtain an online estimate in sixty seconds. Thimble offers general liability, errors and omissions, and professional liability insurance. Additionally, you can purchase additional coverage, such as drone insurance, through a sister agency. Customers appear to prefer the service, especially how simple it is to obtain an insurance certificate and extend coverage for certain occasions. It is an excellent alternative for the majority of small enterprises, particularly photographers with staff.
2. Hill & Usher
Best for Coverage Options
Hill & Usher is another top pick for the best photography insurance provider as their Package Choice coverage includes everything a photographer might need. General liability, errors and omissions, and equipment coverage meet the majority of requirements. This could be an excellent choice for you if you know you require extensive coverage.
However, Hill & Usher has few online customer reviews, which is not surprising given that they are less digitally friendly than the majority of the selections on this list.
3. The Hartford
Best for Employee Coverage
On this list, The Hartford is our most typical coverage option. Because of their experience and options for covering workers’ compensation and employee liability, we chose it as our best for employee coverage. In recent years, Hartford has become one of the largest insurance firms dedicated to assisting small businesses. Furthermore, it can be an excellent alternative for many businesses.
4. Full Frame Insurance
Best for: Hobbyists
Full Frame Insurance specializes in coverage for photographers and videographers. It is our best insurance company for hobbyists as it is one of the few insurers that would insure you for a specific event. If you just provide photography services on a part-time or occasional basis, this is an excellent way to protect yourself without paying for needless coverage.
Moreover, Full Frame Insurance is one of the newer alternatives on the list. Thus, finding many customer reviews is tough. It is not yet operational in all 50 states. However, they are in the majority of them and are expanding rapidly.
5. Insureon
Best for Another Coverage Option
Insureon is a marketplace platform that allows users to compare coverage and pricing from a variety of insurers. There are options for a variety of small business owners, including those in the photography industry. Its coverage and application process are tailored to each type of business applicant. It provides an easy-to-use online application and speedy coverage initiation.
Conclusion
Nevertheless, photographers and videographers are often required to have insurance coverage to protect them against the potential costs of lawsuits and equipment damage. Whether you operate a major photography business or are a hobbyist who occasionally takes on tasks, you need at least some insurance coverage.