So, recently I was photographing a gig in Nashville and had my camera gear in my truck. I was inside the venue for about 30 minutes and was parked in a space that I thought was secure. I know I know this seems stupid but I had a lot of stuff to carry and the lot was private and felt safe. I came out to grab my camera bag and some other gear and my window was smashed and 5,000 dollars worth of gear was GONE!
Initially I was shocked and slightly devastated, considering that I purchased the camera less than 2 months ago. I filed a police report and tried to enjoy the rest of my evening. Besides the pit in my stomach, the violated feeling and the long, cold drive back home with no back window, I was so glad that I had insurance that covered all of my equipment!
My truck window is now fixed and the claim is being processed thank God. I have back up gear so I am not completely out of commission but I can’t imagine what I would do if I didn’t have insurance coverage.
If you don’t have coverage for your photography business, I strongly encourage you to purchase a plan. It is a very low monthly cost and it could save your career if something like this happens to you. Also once you reach a certain level, shooting events and weddings it is often expected of you to present a certificate of insurance.
My plan is through Allstate but there are tons of plans out there that are great. I do have a 500 dollar deductible but considering my equipment is 10 times that amount, I am alright with paying that.
Another great Insurance plan is through Professional Photographers of America . They are also a great resource for all things Photography.
I also suggest creating an inventory spreadsheet with all of your equipment listed with serial numbers and model numbers so that you don’t have to round all that up after something like this happens.
Please use my story as a cautionary tale and save yourself the heartache and get coverage asap!