Photography equipment insurance typically part of a home insurance or renters insurance policy. It covers theft, vandalism, and accidental damage. Personal use only — if your camera is used as part of your business or to generate income, you will need photographer business insurance.
Equipment covered includes:
For personal use, camera gear is covered under your existing comprehensive home, condo, or tenant insurance policy at standard contents limits. Coverage depends on policy type and any particular limit imposed by the insurer.
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What isn't covered by photography equipment insurance?
Photography equipment insurance covers replacement and repair costs only. It does NOT cover personal injury while using equipment, or liability for third-party property damage or bodily injury (those fall under home insurance liability). It also does not cover commercial or business use — see photographer business insurance for that.
Does photography equipment insurance cover my gear if I use my camera professionally?
No. Personal-use coverage does not apply if your camera is used for income or business. You must use photographer business insurance for commercial use.
Does my coverage apply when I travel outside Ontario?
Most comprehensive contents insurance includes worldwide coverage, meaning your photography equipment insurance likely applies in other provinces and countries around the world for the same insured perils as it does here in Ontario. Suppose your camera is stolen in Paris or gets damaged in Johannesburg. In that case, you can file a claim with your insurance carrier and get compensation to replace or repair it if feasible and cost-effective.
Do I need an appraisal to insure my camera equipment?
Some insurance providers require an appraisal before you can add an endorsement for photography equipment insurance. In contrast, others only require you to disclose the models and other information without needing an appraisal. Contact your broker and ask about the need for an appraisal to find out more, keeping in mind that you ideally want to get replacement costs for the equipment you own.
