{"portalId":61352,"siteId":0,"id":3856349501,"slug":"articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past","contentTypeId":null,"contentGroupId":952267656,"campaign":"0971fd7a-5991-4db0-9562-d5c4f5f07f58","categoryId":3,"state":"PUBLISHED","publishDate":1455240290000,"created":1455239671000,"updated":1649694766063,"templatePath":"","name":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Photography Equipment Insurance: You May not be Covered by Homeowners</span>","mabExperimentId":null,"archived":false,"authorName":null,"deletedAt":0,"freezeDate":1455240290000,"processingStatus":"PUBLISHED","previewKey":"KB-p6Pr5","abTestId":null,"createdById":313859,"updatedById":7915797,"domain":"","resolvedDomain":"www.frontrowinsurance.com","legacyId":null,"performableGuid":"","isDraft":false,"subcategory":"normal_blog_post","abStatus":null,"blueprintTypeId":0,"folderId":null,"analyticsPageId":"3856349501","flexAreas":{},"widgetContainers":{"Sidebar_Modules":{"widgets":[{"css":{},"child_css":{},"type":"blog_subscribe","order":0,"label":"Blog Email Subscription","id":1489020028138,"body":{"overrideable":false,"response_message":"Thanks for Subscribing!","select_blog":"default","title":"Subscribe to Email Updates"},"deleted_at":1569884830192}],"deleted_at":1569884830192}},"widgets":{"name":{"body":{"title":"Photography Equipment Insurance: You May not be Covered by Homeowners"},"id":"name","name":"name","type":"text","label":"Title"},"module_15965216980304":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Basic Rich Text Box for Blog","definition_id":null,"module_id":33156769794,"smart_type":"NOT_SMART","field_types":{"add_content":"richtext","enable_rich_text_module":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15965216980304","name":"module_15965216980304","type":"module","order":5,"label":"Basic Rich Text Box for Blog","smart_type":null,"styles":{},"module_id":33156769794},"module_156398965931111":{"body":{"path":"/Marketplace/HubSpot/Team_Member/Team Member","widget_name":"Team Member","definition_id":null,"wrapping_html":"","module_id":8696351,"per_widget_wrapper_html":"","smart_type":"NOT_SMART","type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_156398965931111","name":"module_156398965931111","type":"module","order":9,"label":"Team Member","smart_type":null,"styles":{},"module_id":8696351,"deleted_at":1649694765258},"module_15960847531069":{"body":{"wrap_field_tag":"div","path":"/Coded files/Custom/blog/FrontRow2014/Blog Subscribe New Module 2020","definition_id":null,"module_id":33051772119,"smart_type":"NOT_SMART","field_types":{"add_form":"form","add_form_title":"text","enable_form":"boolean"},"type":"module","tag":"module","smart_objects":null},"css":{},"child_css":{},"id":"module_15960847531069","name":"module_15960847531069","type":"module","order":4,"label":"Blog Subscribe New Module 2020","smart_type":null,"styles":{},"module_id":33051772119,"deleted_at":1649694765258},"post_body":{"body":{"html":"<h1>Photographers: You May not be Covered by YOUR Homeowners POLICY</h1>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<p><br>You arrive back at your car to find the truck pried open and your camera bag &nbsp;missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<!--more-->\n<p style=\"text-align: left;\"><img src=\"http://cdn2.hubspot.net/hub/61352/file-1221662031-jpg/9379888187_5b8d63076e_k.jpg\" alt=\"Photography Insurance\" style=\"width: 361px; float: right;\" title=\"Photography Insurance\" width=\"361\" align=\"right\">This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.</p>\n<p>If you sell your prints, check your policy and make sure your coverage is appropriate.</p>\n<p>At Front Row, we have created a five minute online insurance solution. <strong>Available to Canadian photographers at <a href=\"https://photographer.frontrowinsurance.com\">https://photographer.frontrowinsurance.com</a></strong></p>\n<p>The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.</p>\n<p>Rental equipment coverage is also available. All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use.</p>\n<p><strong><a href=\"https://photographer.frontrowinsurance.com/\">The online program for photographers</a></strong> follows Front Row’s lead earlier this year into online offerings for short term <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">filmmakers</a> and <a href=\"https://musicians.frontrowinsurance.com/\" rel=\" noopener\">musicians</a>. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required.\"<br><br></p>\n<h3>Related Posts:</h3>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\"><a href=\"/articles/5-things-to-know-about-making-a-photography-insurance-claim\" rel=\" noopener\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</a></p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p>"},"id":"post_body","name":"post_body","type":"rich_text","label":"Blog Content","deleted_at":1604598926360},"menu_header_sector_categories":{"css":{},"child_css":{},"name":"menu_header_sector_categories","type":"menu","label":"Menu Header Sector Categories","definition_id":null,"smart_type":null,"smart_objects":[],"id":"menu_header_sector_categories","body":{"root_type":"site_root","type":"menu","flow":"horizontal","site_map_name":"Sector Categories","tag":"menu","max_levels":2,"root_key":"None"},"deleted_at":1569884830192},"menu_header_all_sectors":{"css":{},"child_css":{},"name":"menu_header_all_sectors","type":"menu","label":"Menu Header All Sectors","definition_id":null,"smart_type":null,"smart_objects":[],"id":"menu_header_all_sectors","body":{"root_type":"site_root","type":"menu","flow":"horizontal","site_map_name":"All 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"],"postsPerListingPage":10,"postsPerRssFeed":10,"allowComments":true,"closeCommentsOlder":0,"cdnPurgeEmbargoTime":null,"audienceAccess":"PUBLIC"},"themePath":null,"contentGroup":952267656,"publishDateLocalized":{"format":"medium","language":"en_US","date":1455240290000},"postTemplate":"prox_frontrow/templates/blog/blog-post.html","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","templatePathForRender":"prox_frontrow/templates/blog/blog-post.html","useFeaturedImage":false,"audienceAccess":"PUBLIC","postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><br>You arrive back at your car to find the truck pried open and your <a href=\"/articles/top-10-camera-sling-bags-for-photographers-and-filmmakers\" rel=\"noopener\">camera bag</a> missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p style=\"text-align: left;\"><img src=\"http://cdn2.hubspot.net/hub/61352/file-1221662031-jpg/9379888187_5b8d63076e_k.jpg\" alt=\"Photography Insurance\" style=\"width: 361px; float: right;\" title=\"Photography Insurance\" width=\"361\" align=\"right\">This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.</p>\n<p>If you sell your prints, check your policy and make sure your coverage is appropriate.</p>\n<p>At Front Row, we have created a five minute online insurance solution. <strong>Available to Canadian photographers at <a href=\"https://photographer.frontrowinsurance.com\">https://photographer.frontrowinsurance.com</a></strong></p>\n<p>The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.</p>\n<p>Rental equipment coverage is also available. All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use.</p>\n<p><strong><a href=\"https://photographer.frontrowinsurance.com/\">The online program for photographers</a></strong> follows Front Row’s lead earlier this year into online offerings for short term <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">filmmakers</a> and <a href=\"https://musicians.frontrowinsurance.com/\" rel=\" noopener\">musicians</a>. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required.\"<br><br></p>\n<h3>Related Posts:</h3>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\"><a href=\"/articles/5-things-to-know-about-making-a-photography-insurance-claim\" rel=\" noopener\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</a></p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p></span>","postSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","blogPostScheduleTaskUid":null,"blogPublishToSocialMediaTask":"DONE_NOT_SENT","blogPublishInstantEmailTaskUid":"DONE","blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><br>You arrive back at your car to find the truck pried open and your <a href=\"/articles/top-10-camera-sling-bags-for-photographers-and-filmmakers\" rel=\"noopener\">camera bag</a> missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p style=\"text-align: left;\"><img src=\"http://cdn2.hubspot.net/hub/61352/file-1221662031-jpg/9379888187_5b8d63076e_k.jpg\" alt=\"Photography Insurance\" style=\"width: 361px; float: right;\" title=\"Photography Insurance\" width=\"361\" align=\"right\">This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.</p>\n<p>If you sell your prints, check your policy and make sure your coverage is appropriate.</p>\n<p>At Front Row, we have created a five minute online insurance solution. <strong>Available to Canadian photographers at <a href=\"https://photographer.frontrowinsurance.com\">https://photographer.frontrowinsurance.com</a></strong></p>\n<p>The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.</p>\n<p>Rental equipment coverage is also available. All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use.</p>\n<p><strong><a href=\"https://photographer.frontrowinsurance.com/\">The online program for photographers</a></strong> follows Front Row’s lead earlier this year into online offerings for short term <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">filmmakers</a> and <a href=\"https://musicians.frontrowinsurance.com/\" rel=\" noopener\">musicians</a>. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required.\"<br><br></p>\n<h3>Related Posts:</h3>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\"><a href=\"/articles/5-things-to-know-about-making-a-photography-insurance-claim\" rel=\" noopener\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</a></p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p></span>","postEmailContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postSummaryRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postBodyRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><br>You arrive back at your car to find the truck pried open and your <a href=\"/articles/top-10-camera-sling-bags-for-photographers-and-filmmakers\" rel=\"noopener\">camera bag</a> missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p style=\"text-align: left;\"><img src=\"http://cdn2.hubspot.net/hub/61352/file-1221662031-jpg/9379888187_5b8d63076e_k.jpg\" alt=\"Photography Insurance\" style=\"width: 361px; float: right;\" title=\"Photography Insurance\" width=\"361\" align=\"right\">This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.</p>\n<p>If you sell your prints, check your policy and make sure your coverage is appropriate.</p>\n<p>At Front Row, we have created a five minute online insurance solution. <strong>Available to Canadian photographers at <a href=\"https://photographer.frontrowinsurance.com\">https://photographer.frontrowinsurance.com</a></strong></p>\n<p>The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.</p>\n<p>Rental equipment coverage is also available. All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use.</p>\n<p><strong><a href=\"https://photographer.frontrowinsurance.com/\">The online program for photographers</a></strong> follows Front Row’s lead earlier this year into online offerings for short term <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">filmmakers</a> and <a href=\"https://musicians.frontrowinsurance.com/\" rel=\" noopener\">musicians</a>. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required.\"<br><br></p>\n<h3>Related Posts:</h3>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\"><a href=\"/articles/5-things-to-know-about-making-a-photography-insurance-claim\" rel=\" noopener\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</a></p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p>","postRssContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","rssSummaryFeaturedImage":"","rssBody":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><br>You arrive back at your car to find the truck pried open and your <a href=\"/articles/top-10-camera-sling-bags-for-photographers-and-filmmakers\" rel=\"noopener\">camera bag</a> missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p style=\"text-align: left;\"><img src=\"http://cdn2.hubspot.net/hub/61352/file-1221662031-jpg/9379888187_5b8d63076e_k.jpg\" alt=\"Photography Insurance\" style=\"width: 361px; float: right;\" title=\"Photography Insurance\" width=\"361\" align=\"right\">This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.</p>\n<p>If you sell your prints, check your policy and make sure your coverage is appropriate.</p>\n<p>At Front Row, we have created a five minute online insurance solution. <strong>Available to Canadian photographers at <a href=\"https://photographer.frontrowinsurance.com\">https://photographer.frontrowinsurance.com</a></strong></p>\n<p>The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.</p>\n<p>Rental equipment coverage is also available. All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use.</p>\n<p><strong><a href=\"https://photographer.frontrowinsurance.com/\">The online program for photographers</a></strong> follows Front Row’s lead earlier this year into online offerings for short term <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">filmmakers</a> and <a href=\"https://musicians.frontrowinsurance.com/\" rel=\" noopener\">musicians</a>. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required.\"<br><br></p>\n<h3>Related Posts:</h3>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\"><a href=\"/articles/5-things-to-know-about-making-a-photography-insurance-claim\" rel=\" noopener\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</a></p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p>","rssSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postFeaturedImageIfEnabled":"","postListSummaryFeaturedImage":"","postRssSummaryFeaturedImage":"","keywords":[],"isInstantEmailEnabled":true,"isSocialPublishingEnabled":false,"blogPostAuthor":{"portalId":61352,"id":952267721,"created":1401900296000,"updated":1401900296000,"deletedAt":0,"fullName":"David Hamilton","email":"david@frontrowinsurance.com","userId":null,"username":"david@frontrowinsurance.com","slug":"david-hamilton","language":null,"translatedFromId":null,"name":"David Hamilton","translations":{},"label":"David Hamilton","cosObjectType":"BLOG_AUTHOR","bio":"","website":"","twitter":"","facebook":"","linkedin":"","avatar":"","gravatarUrl":"https://app.hubspot.com/settings/avatar/e5f627d6f4fb7738af400df9b2f0d390","twitterUsername":"","hasSocialProfiles":false,"displayName":"David Hamilton","cdnPurgeEmbargoTime":null},"tagIds":[3282744253,3282917913],"topicIds":[3282744253,3282917913],"topicList":[{"id":3282744253,"portalId":61352,"name":"Camera Insurance","slug":"camera-insurance","description":"","created":1439929459261,"updated":1439929459262,"deletedAt":0,"categoryId":0,"contentIds":[],"language":null,"translatedFromId":null,"translations":{},"label":"Camera Insurance","cosObjectType":"TAG","cdnPurgeEmbargoTime":null},{"id":3282917913,"portalId":61352,"name":"Photography insurance","slug":"photography-insurance","description":"","created":1439930219332,"updated":1649857249229,"deletedAt":0,"categoryId":0,"contentIds":[],"language":"en","translatedFromId":null,"translations":{},"label":"Photography insurance","cosObjectType":"TAG","cdnPurgeEmbargoTime":null}],"tagNames":["Camera Insurance","Photography insurance"],"topicNames":["Camera Insurance","Photography insurance"],"areCommentsAllowed":true,"isCaptchaRequired":true,"syncedWithBlogRoot":true,"enableGoogleAmpOutputOverride":false,"generateJsonLdEnabledOverride":true,"compositionId":0,"htmlTitle":"Photography Equipment Insurance: You May not be Covered by Homeowners","header":null,"url":"https://www.frontrowinsurance.com/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past","password":null,"publicAccessRulesEnabled":false,"publicAccessRules":[],"enableDomainStylesheets":null,"includeDefaultCustomCss":null,"headHtml":"<!-- START - Generated by ClassySchema.org on Thu, 05 Nov 2020 17:54:55 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"http://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!\",\n\t\"description\": \"If you sell your prints , check your policy and make sure your coverage is appropriate. 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display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","last_edit_session_id":null,"keywords":[],"campaign_name":"Photographer PR","featured_image":"","post_summary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","has_user_changes":true,"html_title":"Photography Equipment Insurance: You May not be Covered by Homeowners","post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><br>You arrive back at your car to find the truck pried open and your <a href=\"/articles/top-10-camera-sling-bags-for-photographers-and-filmmakers\" rel=\"noopener\">camera bag</a> missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p style=\"text-align: left;\"><img src=\"http://cdn2.hubspot.net/hub/61352/file-1221662031-jpg/9379888187_5b8d63076e_k.jpg\" alt=\"Photography Insurance\" style=\"width: 361px; float: right;\" title=\"Photography Insurance\" width=\"361\" align=\"right\">This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.</p>\n<p>If you sell your prints, check your policy and make sure your coverage is appropriate.</p>\n<p>At Front Row, we have created a five minute online insurance solution. <strong>Available to Canadian photographers at <a href=\"https://photographer.frontrowinsurance.com\">https://photographer.frontrowinsurance.com</a></strong></p>\n<p>The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.</p>\n<p>Rental equipment coverage is also available. All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use.</p>\n<p><strong><a href=\"https://photographer.frontrowinsurance.com/\">The online program for photographers</a></strong> follows Front Row’s lead earlier this year into online offerings for short term <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">filmmakers</a> and <a href=\"https://musicians.frontrowinsurance.com/\" rel=\" noopener\">musicians</a>. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required.\"<br><br></p>\n<h3>Related Posts:</h3>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-equipment-insurance-you-may-not-be-covered-by-your-homeowners-policy-if-you-have-sold-prints-in-the-past\" rel=\" noopener\">PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS</a></p>\n<p class=\"p1\"><a href=\"/articles/photography-business-do-i-need-insurance\" rel=\" noopener\">I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?</a></p>\n<p class=\"p1\"><a href=\"/articles/4-questions-to-consider-when-buying-photography-business-insurance\" rel=\" noopener\">4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/equipmenttheftfromvehicle\" rel=\" noopener\">THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-save-money-on-your-camera-insurance-if-you-are-a-photographer-or-videographer\" rel=\" noopener\">PHOTOGRAPHERS &amp; VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE</a></p>\n<p class=\"p1\"><a href=\"/articles/camera-insurance-how-to-reduce-the-cost-to-insure-your-photography-equipment\" rel=\" noopener\">HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-lenses\" rel=\" noopener\">HOW TO PROTECT YOUR CAMERA LENS(ES)</a></p>\n<p class=\"p1\"><a href=\"/articles/what-to-know-about-rain-photography-protecting-your-camera-in-rain\" rel=\" noopener\">WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN</a></p>\n<p class=\"p1\"><a href=\"/articles/underwater-photography-in-water-photography-camera-protection\" rel=\" noopener\">UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY</a></p>\n<p class=\"p1\"><a href=\"/articles/protect-your-camera-from-overheating\" rel=\" noopener\">PROTECT YOUR CAMERA GEAR FROM OVERHEATING</a></p>\n<p class=\"p1\"><a href=\"/articles/how-to-protect-your-camera-from-sand\" rel=\" noopener\">PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND</a></p>\n<p class=\"p1\"><a href=\"/articles/organizing-your-camera-gear\" rel=\" noopener\">ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR</a></p>\n<p class=\"p1\"><a href=\"/articles/insurance-for-photos-booths-photo-booth-insurance-from-front-row\" rel=\" noopener\">INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW</a></p>\n<p class=\"p1\"><a href=\"/articles/video-how-do-i-add-an-additional-insured-to-my-policy\" rel=\" noopener\">HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?</a></p>\n<p class=\"p1\"><a href=\"/articles/5-things-to-know-about-making-a-photography-insurance-claim\" rel=\" noopener\">5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM</a></p>\n<p class=\"p1\"><a href=\"/articles/online-camera-insurance-policies-for-photographers\" rel=\" noopener\">FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS</a></p></span>","publish_immediately":true,"author_email":"nedia@frontrowinsurance.com","rss_body":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"margin: 0px auto; display: block; width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/fMaJL1ro-6Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><br>You arrive back at your car to find the truck pried open and your <a href=\"/articles/top-10-camera-sling-bags-for-photographers-and-filmmakers\" rel=\"noopener\">camera bag</a> missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, <strong>not</strong> covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p style=\"text-align: left;\"><img src=\"http://cdn2.hubspot.net/hub/61352/file-1221662031-jpg/9379888187_5b8d63076e_k.jpg\" alt=\"Photography Insurance\" style=\"width: 361px; float: right;\" title=\"Photography Insurance\" width=\"361\" align=\"right\">This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.</p>\n<p>If you sell your prints, check your policy and make sure your coverage is appropriate.</p>\n<p>At Front Row, we have created a five minute online insurance solution. <strong>Available to Canadian photographers at <a href=\"https://photographer.frontrowinsurance.com\">https://photographer.frontrowinsurance.com</a></strong></p>\n<p>The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.</p>\n<p>Rental equipment coverage is also available. All equipment is covered for replacement cost for: &nbsp;theft, damage, fire and loss of use.</p>\n<p><strong><a href=\"https://photographer.frontrowinsurance.com/\">The online program for photographers</a></strong> follows Front Row’s lead earlier this year into online offerings for short term <a href=\"https://shortshoot.frontrowinsurance.com/\" rel=\" noopener\">filmmakers</a> and <a href=\"https://musicians.frontrowinsurance.com/\" rel=\" noopener\">musicians</a>. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required.\"<br><br></p>\n<h3>Related Posts:</h3>\n<p class=\"p1\"><a href=\"/photography-insurance-101\" rel=\" noopener\"><strong>FREE EBOOK</strong>! 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Photography Equipment Insurance: You May not be Covered by Homeowners


You arrive back at your car to find the truck pried open and your camera bag missing. You take out your phone and call your broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned. The claims adjuster does a web search and sees that you have advertised prints for sale. Because you occasionally sell prints, your gear is now considered “commercial” equipment and as such, not covered by your homeowners policy, which is intended to cover “personal” camera gear that is not used for commercial purposes. You tell the adjuster that you only sold a half dozen prints for less than $300 in the last 12 months to a stock agency. The adjuster shrugs, “It doesn’t matter, even if you sell just one print for $5, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.

Photography InsuranceThis is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional photographers assume they are covered by their homeowners policy when in fact they are not.

If you sell your prints, check your policy and make sure your coverage is appropriate.

At Front Row, we have created a five minute online insurance solution. Available to Canadian photographers at https://photographer.frontrowinsurance.com

The policy term is for 12 months and coverage is provided in most countries worldwide except those subject to trade restrictions.

Rental equipment coverage is also available. All equipment is covered for replacement cost for:  theft, damage, fire and loss of use.

The online program for photographers follows Front Row’s lead earlier this year into online offerings for short term filmmakers and musicians. “We wanted to make the insurance process easier, faster and cheaper for photographers,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process a camera insurance policy is much less online and we have passed the savings onto the photographer. Although the camera policy is online, we are still available to answer questions by email or over the phone if required."

Related Posts:

FREE EBOOK! PHOTOGRAPHY INSURANCE 101: PROTECT YOUR CAMERA GEAR

PHOTOGRAPHY EQUIPMENT INSURANCE: YOU MAY NOT BE COVERED BY HOMEOWNERS

I’M JUST STARTING OUT IN MY PHOTOGRAPHY BUSINESS; DO I NEED INSURANCE?

4 QUESTIONS TO CONSIDER WHEN BUYING PHOTOGRAPHY BUSINESS INSURANCE

THEFT FROM VEHICLE: PHOTOGRAPHY INSURANCE EXPLAINED

PHOTOGRAPHERS & VIDEOGRAPHERS: SAVE MONEY ON YOUR CAMERA INSURANCE

HOW TO REDUCE THE COST TO INSURE YOUR PHOTOGRAPHY EQUIPMENT

HOW TO PROTECT YOUR CAMERA LENS(ES)

WHAT TO KNOW ABOUT RAIN PHOTOGRAPHY: PROTECTING YOUR CAMERA IN RAIN

UNDERWATER PHOTOGRAPHY BEST PRACTICES / IN-WATER PHOTOGRAPHY

PROTECT YOUR CAMERA GEAR FROM OVERHEATING

PROTECT YOUR CAMERA AT THE BEACH / PROTECT YOUR CAMERA FROM SAND

ORGANIZING YOUR CAMERA GEAR / KEEP TRACK OF YOUR PHOTOGRAPHY GEAR

INSURANCE FOR PHOTOS BOOTHS | PHOTO BOOTH INSURANCE FROM FRONT ROW

HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?

5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

FRONT ROW: OFFERING ONLINE CAMERA INSURANCE POLICIES FOR PHOTOGRAPHERS

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