I am re-entering the photography world and looking to start up a small portrait studio business within the next year or two. At this point, I have purchased only about $2500 worth of gear, including my Nikon D60, etc...but my "wish list" (hoping to accumulate next year) will add an additional $2000+. I'd like some feedback on how others insure their equipment. Since my specialty will be portrait photography (studio, outdoors, family, kids & senior) and not extremely hazardous work like sports, concerts, etc... would it just be best to get a rider on my homeowner's? If so, will that cover things like dropped/broken lenses or will it just cover me if something gets stolen? Greatly appreciate the help!
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One way to do it is to call your insurance agent and see if they can add additional coverage specifically for your photo equipment. Usually, they'll ask for a list of items and their value and give you a price based on that. It's relatively inexpensive, and you can add to it over time. Sometimes they won't add coverage if they feel the equipment is being used for a business. In that case, you can get individual insurance policies for the equipment. Organizations like PPA usually have deals set up with insurance companies that can help bring down the price. Photo.net has a good article on the topic. |
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