How to Protect Your Camera Lens(es)

Posted by Grant Patten on Mar 16, 2020 7:26:59 AM

How to Protect Your Camera Lens(es)

How to Protect Your Camera Lens(es)

Protect your camera lens with a filter / protect your camera lens from scratches

Even if you’re not using a filter to obtain any particular photographic effect, it’s still wise to keep a filter on your camera lens in order to add a layer of protection. A UV or ND filter could be used; either filter will help prevent scratches from getting on the lens.

The AmazonBasics UV Protection Camera Lens Filter would likely do the job, but you could also go with something fancier such as the K&F Concept 82MM Ultra Slim ND Filter Adjustable Neutral Density Filter if you’re willing to spend a bit more. [Amazon Affiliate Links]

Protect your camera lens with a lens cap / camera lens cover / camera lens protector

It may seem obvious, but the lens cap is under-appreciated and best practices around using lens caps are often not followed, so it’s worth reminding: you should keep lens caps (both front and rear) on your lenses at all times when you’re not using them, such as when they’re in a camera bag.

The lens cap that came with your camera might be perfectly adequate, but do you have a backup? There might also be some better, sturdier lens caps out there that would be a good fit for your camera. It’s worth doing some research.

The Lens Cap Bundle - 4 Snap-on Lens Caps for DSLR Cameras from CAMKIX is worth a look. The Nikon LF-4 Rear Lens Cap is also well reviewed. [Amazon Affiliate Links]

Protect your camera lens with a lens hood / DSLR lens hood / camera lens hood

Along with helping prevent ugly flares in your pictures, lens hoods also serve the purpose of physically protecting your lens AND filter. If you hit an object with your lens, chances are the hood will hit it first and keep your lens and filter undamaged.

The Kiwifotos 50mm Reversible Lens Hood seems to have mostly positive reviews on Amazon. The FOTGA Bayonet Mount Lens Hood is also well reviewed. [Amazon Affiliate Links]

Protect your camera lens with good camera cleaning gear / lens cleaning kit / camera lens cleaning kit / DSLR cleaning kit / camera cleaning kit

If you’re actually using your camera gear, then inevitably some dust and/or “gunk” will get on the surface of the lens and a proper camera cleaning kit is therefore essential.

Notable product review site Wirecutter recommends for camera cleaning:

How to protect your camera lens from fungus / camera lens cleaning

You’ll want to follow certain best practices in cleaning your camera lens in order to prevent it from getting fungal damage. If you shoot outdoors, but then you just toss your lens into a camera bag without wiping everything down, your lens will eventually turn into an expensive Petri dish.

Store your camera and lens in a cool, dry place. If this isn’t possible because you’re shooting in a warm environment, consider purchasing a portable/mini dehumidifier that can be placed next to your camera and lens when stored away. The EXMAX Mini Dehumidifier is one example of such a product. The Pro Breeze Electric Mini Dehumidifier is also an option. [Amazon Affiliate Links]

Microfiber clothes are ideal for cleaning and drying lenses. Some of these clothes are designed specifically for lenses, such as the Carson Microfiber Cleaning Cloth and the MagicFiber Microfiber Cleaning Cloth [Amazon Affiliate Links].

Don’t just leave your lenses in the sun to dry them. This can cause problems.

Protect your camera lens with a solid camera strap / camera wrist strap / camera neck strap / camera shoulder strap / DSLR camera strap / best camera strap

It just doesn’t make sense to use a cheap, shoddy camera strap to hold an expensive camera/lens. You’re asking for trouble if you do that as the strap could conceivably snap at any point, damaging your camera lens. It doesn’t have to be expensive, but a decent camera strap is a great investment.

There are many different types of camera straps:

Protect your camera lens with a good camera bag / DSLR camera bag / best camera bag

Especially if you have more than one camera and multiple lenses, you’ll also want to put some thought into getting a good camera bag – this will also help protect your lenses.

The Peak Design Everyday Messenger Bag [Amazon Affiliate Link] has a waterproof galaxy foam bottom liner and was recommended by Wirecutter. The waterproof Tenba Cooper 13 Slim [Amazon Affiliate Link] was also recommended by Wirecutter.

Clean your compartments/bag of all the lint you can before putting lenses in it. Include some silica gel desiccant [Amazon Affiliate Link] in the bag to absorb residual moisture.

Ideally, keep the camera bag away from radiators and places that might be damp. Somewhere between 5°C and 10°C is a good temperature.

Protect your camera lens with a sturdy tripod / camera tripod mount / video camera tripod / tripod stand for DSLR

After investing so much into your camera lens, it would be a shame to then put that camera on a weak tripod, only to have it tip over, smash into the ground and crack the lens. Using a sturdy tripod that is appropriately sized for your camera body and lens is an excellent preventative measure.

The Sirui W-1004K10 Tripod Kit River Runner was recommended by Wirecutter as a sturdy tripod. The GEEKOTO Tripod 200cm is also well reviewed on Amazon. [Amazon Affiliate Links]

Photography Insurance | Photography equipment insurance | Camera insurance | Photographer Insurance | photographer liability insurance

Following these tips will hopefully allow you to avoid any damage to your camera lens – but in case that does happen – you’d ideally have insurance coverage in place.

Front Row’s photography insurance policy is a good option for insuring your photo gear. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. You can get a quote online, purchase a policy online in 5 mins, or read more about the coverages available here: https://photographer.frontrowinsurance.com/

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

 

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

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon. This post may contain affiliate links. There is no additional cost to you.

Citations:

Topics: Film insurance broker, Camera Insurance, photography insurance

What to Know About Rain Photography: Protecting Your Camera in Rain

Posted by Grant Patten on Mar 9, 2020 6:48:23 AM

Rain Photography: Protecting Your Camera in Rain

Rain Photography: Protecting Your Camera in RainSource: Shutterstock Royalty-free stock photo ID: 1095459860

NOTE: This article is specifically about protecting your gear from rain and is not applicable to underwater photography. Underwater photography poses different kinds of risks and requires additional underwriting information to insure. If you do any photography underwater (or at the surface of water), contact us to discuss your insurance coverage options.

How to protect a camera and lens from rain?

Insurance claims do occasionally arise from cameras being damaged by rain, so let’s review some best practices to prevent rain-related damage to your photography gear. Professional cameras are expensive, and you don’t want to risk ruining yours in a single photoshoot.

Use a camera rain cover / rain sleeve; these are generally inexpensive. Some well-known brands include Zacro, OP/TECH and Movo [Amazon Affiliate Links]. You can find waterproof camera cases, lens hoods and custom rain covers. The Think Tank Photo Emergency Rain Cover [Amazon Link] is another product with mostly positive reviews on Amazon.

How to weather seal a camera?

Weather sealing a camera refers to having rubber gaskets in the seams to keep water from the camera’s internals. But if the lens doesn't have weather sealing also, water can still enter into the camera through the lens mount. Therefore, make sure to keep the lens mount dry.

Many cameras are already weather sealed, but don’t assume that your camera is necessarily sealed just because it’s a new model. Be sure to check with the camera manufacturer to verify.

If your camera isn’t weather sealed and you still want to risk shooting in the rain, consider getting a camera condom – yes, that’s a thing! A camera condom (or skin camera protector) is a rubbery skin for point-and-shoot cameras, similar to the cases that have been protecting iPods and iPhones for years. Well-known brands selling these include Surpassed and Polaroid. [Amazon Affiliate Links]

But, ideally, if you're really into shooting in rainy conditions, get a sealed camera body and lenses.

Backpack rain covers / waterproof backpack covers & waterproof backpacks / waterproof camera bags & camera cases

If you’re out in the rain with your photography gear in your backpack or camera bag – but that backpack or bag isn’t waterproofed or properly covered – you could damage your gear, so consider a backpack rain cover, waterproof backpack or waterproof camera bag.

Some well-known backpack rain cover brands include MOOCY and Kerxinma. [Amazon Affiliate Links]

Some well-known waterproof backpack brands include NEEWER and Endurax. [Amazon Affiliate Links]

In terms of camera bags: the Peak Design Everyday Messenger Bag [Amazon Affiliate Link] has a waterproof galaxy foam bottom liner and was recommended by notable product review website Wirecutter. The waterproof Tenba Cooper 13 Slim [Amazon Affiliate Link] was also recommended by Wirecutter.

For added protection, consider wrapping your photography gear in padded equipment wraps before placing it inside any backpack. Some brands in this space are Ruggard and Ape Case. [Amazon Affiliate Links]

Keep a microfiber cloth in your bag/backpack to wipe down your photography gear, if necessary. Some of these clothes are designed specifically for cleaning lenses, such as the Carson Stuff-It Super-Soft Microfiber Lens Cloth and the MagicFiber Microfiber Cleaning Cloth [Amazon Affiliate Links].

Some Rain Pictures / Rain Images / Rain Photos / Water Drop Images

Water drop Rain Photography

Water drop.

Source: Shutterstock Royalty-free stock photo ID: 402271438

 

Rain drops falling from a black umbrella

Rain drops falling from a black umbrella concept for bad weather, winter or protection.

Source: Shutterstock Royalty-free stock photo ID: 323261750

 

Pug dog wearing orange raincoat Rain Photography

Funny pug dog wearing orange raincoat in raining day.

Source: Shutterstock Royalty-free stock photo ID: 660076444

 

Drops Of Rain On Blue Glass Bokeh Rain Photography

Drops Of Rain On Blue Glass Background. Street Bokeh Lights Out Of Focus. Autumn Abstract Backdrop.

Source: Shutterstock Royalty-free stock photo ID: 211412020

Get Photography Insurance | CAMERA INSURANCE | PHOTOGRAPHY EQUIPMENT INSURANCE

Front Row’s photography insurance policy is a good option for insuring your photo gear. Many Canadian photographers have come to recognize Front Row as the industry’s best coverage – and rely upon us to protect their valuable camera gear. You can get a quote, purchase a policy, or read more about the coverages available here: https://photographer.frontrowinsurance.com/

NOTE: This article is specifically about protecting your gear from rain and is not applicable to underwater photography. Underwater photography poses different kinds of risks and requires additional underwriting information to insure. If you do any photography underwater (or at the surface of water), contact us to discuss your insurance coverage options.

Refer a Friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

 

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

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Amazon Associates Disclosure: Front Row Insurance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon. This post may contain affiliate links. There is no additional cost to you.

Citations:

Topics: Camera Insurance, photography insurance

Insurance for Theft of Camera and Film Equipment

Posted by Casey Budden on Oct 24, 2018 10:43:17 AM

Camera insurance Canada - woman on phone

INSURANCE FOR THEFT OF CAMERA AND FILM EQUIPMENT

Action!

You’ve finally gotten to the meat of the production: the principal photography phase. Much of the busywork is done; now for the fun part!

Unfortunately, as it so often does, disaster strikes at the worst time: a rented vehicle used in the production is stolen from the set. Worse, it contained an expensive piece of camera equipment (also rented). The vehicle is quickly recovered, but the camera equipment is nowhere to be found and there is damage to the vehicle. The cost of your production is suddenly mounting very quickly.

Could this have been prevented?

A commercial vehicle physical damage policy covers accidents mentioned above.

You’ll also want to ensure your production has production equipment insurance, which covers you against physical loss of or damage to, or destruction of, cameras, sound, lighting and grip equipment which are owned or rented by the production company.

A film production is a complex animal; you want the process to be as seamless as possible. Wouldn’t it be nice if there was one less thing to think about?

Ensure that your production is adequately covered so that you can concentrate on filmmaking rather than financing.

RELATED:

PHOTOGRAPHY INSURANCE: THEFT FROM VEHICLE

Topics: Film equipment insurance, Film insurance broker, Camera Insurance, DigiGear

Camera and Film Processing Insurance

Posted by Casey Budden on Oct 24, 2018 10:30:32 AM

film processing insurance

camera & film processing insurance

Put the Finishing Touches on your Film Without Worry.

Congratulations! Principal photography on your production is complete and so far, everything has gone off without a hitch. You’ve managed to remain on budget, and footage was delivered to the post facility on time. While you understand that editing is both an art and a science, the cut of the film you got back was not what you were looking for. Instead of seamless edits, you got jump cuts!

While faulty editing is a problem that will cost your production time and money, it’s not the most serious risk you face at this stage. Let’s consider a second scenario:

Imagine you’re making a documentary about jazz. Your sound engineer composes an original piece to be used as background music in a scene. All is well and good until a famous jazz musician sues for copyright infringement, claiming that the music is too similar to a well-known piece of theirs. While you know the case would be won in court, the associated delay and cost would harm your production.

Your film is slated to be broadcast in a matter of months, and the clock is ticking.

The best defense against unforeseen perils such as the above is a specialized film insurance policy designed to protect you, the filmmaker. An Entertainment Package Policy includes:

1. Faulty Stock, Camera, & Processing insurance.

Faulty Stock, Camera & Processing insurance provides protection against:

  • Loss, damage or destruction of raw film or tape stock, exposed film (developed or undeveloped), recorded video tape, sound tracks and tapes, caused by or resulting from fogging or the use of faulty equipment (including cameras and videotape recorders)
  • Faulty sound equipment
  • Faulty developing
  • Faulty editing and faulty processing
  • Accidental erasure of videotape recording

But does not cover: Loss caused by errors of judgment in exposure, lighting or sound recording, or from the use of incorrect type of camera, lens, raw film or tape stock.

2. Commercial General Liability.

This is a standard liability coverage included in entertainment package policies which will arrange a defense if you are sued for reasons connected with your production, regardless of whether the suit has any merit. Returning to the example above involving music, this coverage would prevent you from having to pay for legal defense costs out of pocket.

You’ve come too far to let unforeseen circumstances put you behind.

Make sure you have the right insurance coverage.

Topics: Film insurance broker, Camera Insurance

Newly Acquired Camera Equipment Insurance Coverage

Posted by David Hamilton on Sep 25, 2018 11:27:46 AM

NEWLY ACQUIRED CAMERA EQUIPMENT INSURANCE COVERAGE

Camera insurance Canada, gearWhen photography equipment is damaged or stolen what do you do? Ultimately your camera equipment insurance policy should provide the necessary coverage to replace your equipment; however it can take weeks, to get insurance claims paid out. So what do you do in the meantime?

If you intend to continue your business, you need to resume operations as quickly as possible, and that work requires new equipment.  Newly acquired equipment coverage provides reimbursement for any costs that you incur to replace gear that has been stolen or damaged. Newly acquired equipment coverage is not automatically included on a photographer insurance policy. Make sure your photography equipment insurance policy includes extra expense newly acquired equipment coverage.

Does your current policy provide this coverage?

Front Row now offers online camera insurance: https://photographer.frontrowinsurance.com

Insure your gear for as low as $10 (plus a fee). Get a quote in 1 minute. A policy in 5 minutes. Worldwide coverage. Protect your gear against: theft, breakage, fire and more. Liability is also available.

Topics: Camera Insurance, photography insurance

Theft from Vehicle: PHOTOGRAPHY INSURANCE explained

Posted by David McLeish on Aug 20, 2018 2:48:24 PM

Photo gear: Theft from Vehicle PHOTOGRAPHY INSURANCE

Theft from a vehicle: Is my equipment covered?

For professional photographers, the world is their workplace. They need to be able to pick up and go wherever—and whenever—the light is magic. That means they’re travelling with valuable equipment, and that means, theft from a vehicle is a serious concern. Did you know some insurance policies don’t cover theft from a vehicle? Crazy, right? At Front Row Insurance, our Photographers insurance program WILL cover your equipment if it is stolen from an unattended vehicle, but with some important conditions.

  • The vehicle had to have been locked.
  • There needs to be visible evidence of forced entry.
  • You need to file a police report.

“Hold-up” (as in, “stick-‘em-up!”) is also covered under our policies, so if someone forces you to unlock your vehicle using threat of violence, you will still be covered. But again, you need to file a police report. Understanding these conditions prepares you to understand how your Photographer’s insurance policy will (or won’t) respond in the event of a theft from a vehicle.

Remember, even with camera gear insurance, it’s better if your gear never gets stolen in the first place! Insurance is just one tool you have to protect your business from losses, but you should also be practicing good risk management. Tips below:

  • Don’t leave your gear in an unattended vehicle if you can help it.
  • Use good judgment when choosing locations and parking spots.
  • Keep your gear in the trunk or out of sight.
  • Travel lean – only bring with you the gear you know you will need.
  • Unload your gear into your residence.

At Front Row Insurance, we offer 12 month prior policies that cover you worldwide, except in countries subject to trade restrictions. All your equipment is covered for replacement cost, and coverage for rented equipment is also available. Plus, as part of your policy you automatically get:

  • $5,000 in Laptop Coverage + $10,000 Office Contents Coverage.
  • $10,000 of coverage for newly acquired equipment for up to 30-day.
  • $7,500 in Library Stock (Portfolio) coverage.
  • $15,000 in Money and Securities coverage. (subject to change)

You can also purchase Commercial General Liability with our Photographers policies. Photographer liability covers property damage and bodily injury that you cause while shooting on location or in a rented studio. It can pay for legal fees, too. You can get a quote online in 2 minutes that ensures industry-low prices. Click here to get started.

 

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

Topics: Camera Insurance, photography insurance

PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!

Posted by David Hamilton on Aug 23, 2016 2:00:22 PM

PHOTOGRAPHERS: YOU MAY NOT BE COVERED BY YOUR HOMEOWNERS POLICY!


You arrive back at your apartment to find your door pried open and your photography gear missing. You take out your phone and call your insurance 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 credits for various wedding shoots. Because you were hired and paid, your gear is now considered “commercial” equipment and as such, not covered by your homeowners policy, which is intended to cover “personal” photography gear that is not used for commercial purposes.

You tell the adjuster that you only worked  twice in the last 12 months for two weddings and made less than $300. The adjuster shrugs, "It doesn’t matter, even if you shoot a birthday party for 60 minutes for $50, you are a professional and your gear is  considered commercial and is no longer covered under a homeowners policy."

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

If you use your gear to make money, check your insurance policy and make sure your coverage is appropriate. At Front Row we have created a 5 minute online insurance solution...

Available at: https://photographer.frontrowinsurance.com/

The policy term is for 12 months and coverage is available worldwide on a limited basis, or Canada/USA only.

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

The online link ensures industry-low prices.

"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 an online photography equipment policy is much less  and we have passed the savings onto the gear owner. Although the policy is online, we are still available to answer questions by email or over the phone if required.”

SEE ALSO:

MUSICIANS AND HOMEOWNERS INSURANCE

FILMMAKERS AND HOMEOWNERS INSURANCE

Topics: Camera Insurance, photography insurance

What does online DigiGear Equipment insurance actually cover?

Posted by David Hamilton on Aug 2, 2016 4:03:51 PM

DigiGear Insurance Coverage for Film Equipment

This unique offering allows owners of camera equipment, sound, lighting and other film equipment the opportunity to get a quick quote in 2 minutes and purchase insurance for their gear in less than five minutes, 365 days a year, 24/7.

All equipment is covered for: theft, damage, fire and loss of use. This short animation explains the coverage:


Wait for the $50 discount code at the end! (not valid in QC, ON, SK)

The policy term is for 12 months.

Rental equipment insurance coverage is also available.

The online link ensures industry-low prices:

  • $10,000 equipment coverage: costs $80, plus a fee 
  • $2,000,000 annual location liability coverage: costs $500
  • $1,000 deductible for gear (fees subject to change)

Available to Canadian equipment owners at: https://digigearinsure.frontrowinsurance.com

About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal, Nashville and Los Angeles.

RELATED LINKS:

Film Insurance 101 & How to Protect Your Film Project

Film Production Insurance: Why it is needed

Pre-Production Insurance

Film Production Insurance

How the Premium is Determined

Short Film Insurance

DigiGear Insurance

Props/Sets/Wardrobe Insurance

E&O Insurance

DICE Insurance

Third Party Property Damage

Crew Vehicles

Umbrella Vs. Excess Liability

Commercial General Liability

Negative Film / Videotape and Faulty Stock

Workers Comp

Cast Insurance

Extra Expense (EE)

Foreign Locations

Claims

Topics: Film equipment insurance, Camera Insurance, DigiGear

Filmmakers: You May NOT be Covered under a Homeowners Insurance Policy

Posted by David Hamilton on May 23, 2016 12:18:22 PM

FILMMAKERS: YOU MAY NOT BE COVERED UNDER A HOMEOWNERS INSURANCE POLICY

You arrive back at your apartment to find your door pried open and your camera, sound and lighting gear missing. You take out your phone and call your insurance 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 credits on IMDB for various productions. Because you are hired with your gear as a part of your weekly rate, your gear is now considered “commercial” equipment and as such, not covered by your homeowner’s insurance policy which is intended to cover “personal” film gear that is not used for commercial purposes.

You tell the adjuster that you only worked  twice in the last 12 months on two low budget music videos and made less than $300. The adjuster shrugs, “It doesn’t matter, even if you shoot a birthday party for 60 minutes for $50, you are a professional and your gear is  considered commercial and is no longer covered under a homeowners policy”.

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

If you use your gear to make money, check your insurance policy and make sure your coverage is appropriate.

We have created a 5-minute online insurance solution called DigiGear:

Available at:  https://digigearinsure.frontrowinsurance.com

The policy term is for 12 months and coverage is provided throughout Canada and the USA.

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

Industry-low film equipment insurance prices:

  • $10,000 equipment coverage: $80 plus a fee
  • $2,000,000 location liability coverage: $500.  Liability covers property damage and bodily injury to third parties. Pays legal fees, too
  • $1,000 deductible for gear (fees subject to change)

"We wanted to make the insurance process easier, faster and cheaper for musicians,” said David Hamilton, President of Front Row. “Given that an insurance company underwriter is not involved, the cost to process an online film equipment insurance policy is much less and we have passed the savings onto the gear owner. The savings is expected to be 30% compared to standard film equipment policies. Although the DigiGear policy is online, we are still available to answer questions by email or over the phone if required.”

SEE ALSO:

Musicians may not be covered by homeowners insurance

Photographers may not be covered by homeowners insurance

Topics: Film equipment insurance, Camera Insurance, DigiGear

Online Insurance for Owners of Camera, Sound & Lighting Gear

Posted by David Hamilton on May 2, 2016 4:59:45 PM

Vancouver, Canada – Apr. 28, 2016 Front Row Insurance Brokers Inc. is excited to announce the launch of their new online DigiGear insurance program.

Man holding film cameraThis unique offering allows owners of filming equipment the chance to get quick quotes and process policy documents in less than five minutes, 365 days a year, 24/7.

“Visitors to the site that purchase a policy can sleep easy knowing their gear is covered on and off the set all year. The equipment is covered worldwide including while in transit to a job. The site also offers general liability. Office contents, earthquake and flood coverage are offered at no extra cost.“ said David Hamilton, President of Front Row in Vancouver. “This is a disruptive product for owners of camera, lighting and sound equipment because of the much lower cost and ability to purchase a policy in minutes without having to speak to a broker. The expected savings should average 30%. Commercial use of camera, lighting and sound equipment is not covered under a typical homeowners policy: our online DigiGear insurance is an inexpensive and fast solution to this problem.”

Available to Canadian equipment owners at:  https://digigearinsure.frontrowinsurance.com

The policy term is for 12 months.

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

The online link ensures industry-low prices:

  •  $10,000 equipment coverage: $80, plus a fee
  • $2,000,000 annual location liability coverage: $500
  • $1,000 deductible for gear

The online program for film gear owners follows Front Row’s lead over the past two years into online offerings for short term filmmakers, photographers and musicians. “We wanted to make the insurance process easier, faster and cheaper for film gear owners,” said Hamilton, “Given that there is no need to speak to a broker and 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 on in the form of a less expensive policy. Although the DigiGear policy is online, we are still available to answer questions by e mail or over the phone if required.”

About: Front Row Insurance Brokers Inc. is an independent insurance broker that works on behalf of the Canadian arts and entertainment industry to provide insurance for the lowest possible cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Los Angeles.

Topics: Film equipment insurance, Camera Insurance