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. [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. [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. [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 yaufey Mini Dehumidifier is one example of such a product. The Pro Breeze Electric Mini Dehumidifier is also an option. [Affiliate Links]

Microfiber clothes are ideal for cleaning and drying lenses. Some of these clothes are designed specifically for lenses, such as the Nikon 8072 Microfiber Cleaning Cloth and the MagicFiber Microfiber Cleaning Cloth [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 [Affiliate Link] has a waterproof galaxy foam bottom liner and was recommended by Wirecutter. The waterproof Tenba Cooper 13 Slim [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 [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. [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:

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

Theft from Vehicle: Photography Insurance

The Best Cameras for Filmmaking

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.com. This post may contain affiliate links. There is no additional cost to you.

Citations:

Topics: Camera Insurance, photography insurance, Camera Insurance Broker

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 [Affiliate Links]. You can find waterproof camera cases, lens hoods and custom rain covers.

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 Delkin and Polaroid. [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. [Affiliate Links]

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

In terms of camera bags: the Peak Design Everyday Messenger Bag [Affiliate Link] has a waterproof galaxy foam bottom liner and was recommended by notable product review website Wirecutter. The waterproof Tenba Cooper 13 Slim [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. [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 Nikon 8072 Microfiber Cleaning Cloth and the MagicFiber Microfiber Cleaning Cloth [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:

5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

PHOTOGRAPHY INSURANCE: THEFT FROM VEHICLE

HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?

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.com. This post may contain affiliate links. There is no additional cost to you.

Citations:

Topics: Camera Insurance, photography insurance

I’m just starting out in my photography business; do I need insurance?

Posted by David McLeish on Feb 27, 2020 11:57:51 AM

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

PHOTOGRAPHY BUSINESS INSURANCEShutterstock Royalty-free stock photo ID: 445094317

You might not expect to hear this from an insurance broker, but if you’re wondering whether you need insurance – maybe you don’t!

Many photographers, and most professional photographers, don’t need to wonder: they know, because they are told they must carry insurance. If you apply for a permit to shoot at a Provincial Park or rent gear from a rental house, they won’t issue your permit or release the gear until you provide proof of insurance. In these instances, insurance is a necessity.

If no one is requiring you to carry insurance, but you still think it would be prudent to have, below are some things to consider when deciding whether you need insurance.

What are your total assets?

Insurance is intended to protect you from catastrophic losses. A catastrophic loss is one that you couldn’t possibly recover from without insurance. If your total assets are a camera body and two lenses that altogether cost about $3,000 CAD, replacing them after a theft might be difficult, even painful, but not impossible—not catastrophic. You wouldn’t have to declare bankruptcy, for instance. If you can’t pay for their replacement out of pocket, maybe you put the purchase on a credit card and pay it off over the course of a few months. The interest payments would likely still be less than what you would pay in insurance premiums.

Once you start amassing some serious gear, however, you’ll need to start thinking about insurance. You probably don’t want to carry a $10K balance on a credit card. Perhaps you don’t have a credit card with a $10K limit. At a certain point, the cost of replacing all your assets becomes “catastrophic”. Knowing the replacement cost value of your total assets – and the impact that a worst-case-scenario would have on you or your business – will help you decide when (or at what point) you need insurance.

What are your liability exposures?

The idea of a “catastrophic loss” comes into sharper focus when talking about liability. Here, the values are not in the thousands but in the hundreds of thousands or even millions. Very few people can put a million dollars on a credit card.

If you injure someone with your car, your car insurance pays the damages. If you injure someone as a private citizen and they sue you for negligence, your home insurance may cover damages the courts award against you. But, what if you injure someone while you’re working? You’re not in a car, and your home insurance likely excludes claims arising from “business activities” (note: home insurance policies don’t distinguish between fledgling businesses vs. established businesses—if you’re getting paid to be there, you’re a business).

Liability coverage for your business activities may be obtained through Commercial General Liability (CGL).  If you work in or with the public, or in places where you could conceivably cause bodily injury or property damage to third parties, you have a liability exposure and should consider getting CGL.

What are the deductibles?

Almost every insurance policy has a deductible. A typical commercial property deductible is around $500 to $1,000. A deductible is an amount you’re responsible for paying (for repairs or replacements) before the insurance policy will respond.

Maybe your worst-case-scenario is having your gear stolen while you’re backpacking in Thailand, and you’d be out $5,000. The insurance policy initially costs $500, and the deductible is $1,000. In the event of a total loss, the insurance policy would only save you out-of-pocket costs of $3,500 ($5,000 less the $1,000 deductible, less the $500 premium). Maybe you’d still consider that “catastrophic” and worthwhile insuring. At least: if you know going in what the deductibles are, you won’t be surprised by the actual expense of replacing your gear.

Remember that insurance is intended to cover catastrophic losses. Deductibles are related to this original intent. An insurance company is not a maintenance service you hire to fix every little dent and scratch. Insurance companies do not want to be involved in thousands of small claims, so they impose deductibles to limit the number of claims they have to handle. Check the deductibles before you buy a policy, and think about the deductibles when you are deciding whether or not you need insurance.

What do you expect to get from your insurance?

The biggest misconception people have about insurance comes from the idea of “getting your money’s worth”.  If you think insurance is something that will save you money, or that you should come out ahead of the insurance company, you’re treating insurance like a coupon or a slot machine. Insurance is neither a coupon nor a slot machine!

Don’t pay for insurance expecting huge savings and big winnings. That’s not the point. Insurance is about transferring risk. If a risk to you is so great that it would prevent you from doing what you need to do to grow your business, then you should transfer that risk to an insurance company. Insurance is, essentially, a facilitator of business. It enables people to take certain business risks that – if left to their own devices – they would likely not take, for fear of the consequences.

There are many reasons to get insurance. “Buy as much insurance as you can afford!” is the common refrain from insurance brokerages. But it is also important to understand what insurance is for and how it can work for you, at whatever stage in your career you happen to be.

Consider photography insurance | photography equipment insurance | photography business insurance | photographer liability insurance

So, is insurance right for you? After reading this post, if you think the answer is yes, Front Row’s photography insurance policy is certainly a good option. 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. In case a claim does occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.

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)

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.

 

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5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

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Video: WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?

Topics: photography insurance

5 Things to Know About Making a Photography Insurance Claim

Posted by David McLeish on Dec 4, 2019 6:56:58 AM

5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

PHOTOGRAPHY INSURANCE CLAIM

1. Every claim is unique

We often get this question: “what if [insert hypothetical situation] happened? Would I be covered?” It is impossible to answer this question, because every claim is unique. Maybe you’ve heard an insurance broker give you vague, evasive, unsatisfying answers. That’s potentially because you’re asking the wrong question. Instead of asking “what’s covered?” you should be asking “what’s not covered?”

Most insurance policies work like this: everything is covered, except what is explicitly excluded by the policy. This allows for all kinds of unanticipated, unimaginable types of losses to be covered. It also ensures wordings aren’t 10,000 pages long. When you submit a claim, the adjustor will look through the wording to see if an exclusion applies. Some typical exclusions are: “wear and tear,” “mechanical breakdown”, “fungus”.

2. There can be many ways to prove ownership (not just receipts)

Lots of people buy camera gear second-hand. Claims adjustors are aware of this fact. If you don’t have original receipts, don’t panic. You can still cover the gear with your insurance.

Proof of ownership can take different forms, depending on the loss. If a lens is cracked, the proof is the cracked lens in your possession. You would only need to provide documentary proof in “total loss” situations (theft, destroyed in a fire, etc.). In these situations, original receipts are obviously best, but in the absence of these, the adjustor may use their judgment or common sense. They may try to work with you to find “creative” ways to substantiate prior ownership.

In all cases, it is up to the adjustor’s discretion; they need something that will “hold up”, and they will be using their “Spidey-senses”. If they think something is suspicious, they will ask for more concrete evidence and they may decline a claim. So, do what you can prior to a loss occurring to substantiate your ownership of the items you wish to have covered.

3. File a police report first (and take photos of the crime scene)

When a crime has been committed, you will need to report the crime to the appropriate authorities. For a theft claim, an adjustor will ask for a police report number as part of your supporting documentation. This also applies in foreign countries.

There are also special conditions related to theft from an unattended vehicle – there must be visible signs of forced entry. Basically, the insurance company is saying: if you leave your gear in your car, make sure you lock your car. They will need visible evidence that someone had to pry their way into your vehicle, so take pictures of the broken glass, or the scratches on your car. Without visible evidence of forced entry, your claim could be denied.

The insurance company's policy wording on unattended/unlocked property reads as follows: "we will cover theft of covered property from a locked container, vehicle or trailer when there are visible signs of forced entry. This exclusion does not apply while covered property is in the care or custody of a common carrier."

4. There will be a deductible

A deductible is the amount of the loss that you are responsible for covering before the insurance policy will respond. Say you have a USB drive stolen. Replacing it would cost $60, but your deductible is $350. Although, “technically” the claim would be covered, it is below your deductible, so the insurance company wouldn’t be responsible for paying any part of the claim.

If you damage a $500 lens, you would pay for the first $350 (your deductible), then the insurance company would cover the next $150.

After you’ve made a claim, an insurance company will generally increase your rates. There is no one-claim forgiveness. So, it may not make sense to submit a small claim, as you may end up paying more for insurance over the long-run. Insurance is not meant to cover small losses. It’s best used to cover the things that could really make or break your business.

5. You can still withdraw a claim after you have reported it

The only person who can give you a definitive answer to the question, “is it covered?” is a claims adjustor. In order to speak to an adjustor, you will need to report the claim to the insurance company. The adjustor will then review what happened and the supporting documentation, and advise whether coverage can be provided.

Once you have a clear answer, you can either decide to proceed with the claim or to withdraw it. Don’t be afraid to open a claim and talk to an adjustor.

Get Photography Insurance

As this is a blog post about claims, the assumption is that you already have insurance for your gear, but just in case you don’t: Front Row’s photography insurance policy is a good option. 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. In case a claim does occur, you can work with your broker to resolve the claim and get compensated for covered losses as quickly as possible.

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:

CLAIMS – FRONT ROW HANDLES YOUR CLAIM

HOW TO CALL A WRAP ON TOP FILM INSURANCE CLAIMS

PROTECTING YOUR CAMERA IN RAIN

Topics: photography insurance

Video: How do I add an additional insured to my policy?

Posted by Grant Patten on Oct 31, 2019 12:08:26 PM

How do I add an additional insured to my policy?


If you’re applying for a permit to film or photograph on location, or host an event, you may have been asked to provide a certificate of insurance that adds an “additional insured” to your policy.

Adding additional insureds to your policy is actually really easy, especially with the tools that Front Row provides you.

First: I’m going to explain how to add an additional insured to your policy using Front Row’s blank certificate. If you just want to fill out the paperwork and get that permit, this is as far as you’ll need to watch. Second: I’ll explain what it means to add an additional insured to your policy.

How do you add an additional insured?

Most of the policies that you can buy through Front Row’s website come with something called a blank certificate of insurance. This is included along with the documents you receive by email when you purchase a policy with us. It’s sent to you as an attached PDF.

You will also receive a PDF with instructions on how to issue blank certificates. The blank certificate is a fillable form that you can use to issue your own certificates. If you open the blank certificate, you’ll see a fillable field at the top where you can add the Name and Address of the person or entity who you’re issuing the certificate to.

To add a person, company, city, or government agency as an additional insured to your policy, copy & paste their name and address into the fillable “issued to” field.

Then print a copy of the PDF so it can no longer be altered. Give the certificate holder or permitting office their copy, and send a copy to our office so we know who you’ve issued certificates to. The instructions we provide will tell you what email address to use when sending us your certificates.

That’s it! You’ve just added an additional insured to your policy. You don’t need to get our approval or wait for any confirmation on our end. Front Row’s blank certificates are quick and easy, giving you the freedom and flexibility to provide the insurance documents you need to secure location permits or rent out venues or equipment.

Now, I should add one caveat. The blank certificate form will work in most cases, but occasionally, you may have to contact our office to get a custom certificate prepared. Some organizations want to see specific wording on their certificates that doesn’t appear on the blanks. If you’re not sure if you will need custom wording, try the blank certificate form first. If they reject it, then contact our office.

Related Video:

What does it mean to add an additional insured to my policy?

Topics: Film Insurance, photography insurance, Additional Insured

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.

  • 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
  • $350 deductible per occurrence for gear

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:

INSURANCE FOR THEFT OF CAMERA AND FILM EQUIPMENT

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 there is no need to speak to a broker and 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.”

Topics: Camera Insurance, photography insurance

4 Questions to Consider when Buying Photography Business Insurance

Posted by David Hamilton on Mar 14, 2016 5:14:08 PM

PHOTOGRAPHY BUSINESS INSURANCE

PHOTOGRAPHY BUSINESS INSURANCE

Regardless of whether you are renewing or purchasing photography business insurance for the first time, you should consider the following to ensure the best price and protection:

1. What are the limits for your gear and liability?

Limits that are too high cost you unnecessary premium dollars. Have you updated your inventory of gear and determined a current replacement cost value? If your replacement cost value is higher than the limit on your policy, you are under-insured and should purchase a higher limit of coverage.

The minimum general liability coverage you should purchase is $1,000,000. The general liability will protect you from lawsuits that result from property damage or bodily injury that you, or your employees cause while shooting. The liability policy will pay the legal costs for your lawyer and the judgement costs up to the liability limit that you purchased.

Will your current liability policy provide enough protection if you end up in court defending a lawsuit from a well-paid programmer’s husband after you permanently disabled her when your Pelican lens case was knocked off your rooftop shooting location onto the sidewalk below? A programmer who is 40 years old making $200,000 a year could sue for 20 lost years of future earnings – or $4,000,000. Additional limits of  liability coverage typically go down in cost for each million over 1mil that you purchase. For instance, the Front Row Insurance online photographers program prices general liability for photographers as follows: $160 for 1mil, $215 for 2mil, $370 for 5mil.

2. Is the process to buy the coverage you need fast and simple to understand?

Is there an online option that asks for only necessary information in a clickable format? Are the drop down boxes that explain the coverage clear and comprehensive?  There should be no need to scan paper applications back and forth.

At Front Row, we've created a 5-minute online photography insurance solution.

Available to Canadian photographers: Learn more

The policy term is for 12 months and coverage is available in most countries worldwide except those subject to trade restrictions. Or, for a lower premium, you can choose Canada/USA only coverage.

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

3. Does my gear policy include any enhancements such as office contents coverage or Portfolio coverage?

 

Front Row

Other Programs

Optional Worldwide Equipment Coverage Territory

Yes

Yes

Automatic $10,000 Office Contents Coverage + $5,000 in Laptop Coverage

Yes

Extra Charge

$15,000 of Money & Securities

Yes

No

$10,000 of coverage for newly acquired equipment for up to 30-days

Yes

Yes

Coverage for Earthquake & Flood included up to your full Equipment Values

Yes

No

$7,500 of Library Stock ("Portfolio") Coverage

Yes

No


4. What do I have to do to make a claim?

You have the coverage and now all your equipment has been stolen. Should you call the broker or the insurance company when you first hear about a claim? Call the broker.

PHOTOGRAPHY BUSINESS INSURANCEClaims Reporting Procedures

  • All claims should report the following: Date of Loss, Description of Loss, Names and phone numbers of persons to be contacted.
  • All incidences should be reported promptly. If you are not sure there is coverage, call your broker.

Is it possible to take immediate action to make repairs if further damage to the property is likely?

As long as the claim is covered, the reasonable cost of temporary repairs made to prevent further damage is money well-spent and, therefore, reimbursable, subject to all policy terms and conditions. Documentation in the form of bills, receipts and photographs should be retained in order to verify damages and repair costs.

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.

Topics: photography insurance

Photographers & Videographers: Save Money on your Camera Insurance

Posted by David Hamilton on Feb 26, 2016 9:38:46 AM

SAVE MONEY ON YOUR CAMERA INSURANCE

SAVE MONEY ON YOUR CAMERA INSURANCE

To achieve the best premium for your camera and photography insurance, consider:

  • Choose a higher deductible. A deductible is the specified amount of money that you must pay before an insurance company will pay a claim. The higher the deductible, the lower the premium. As long as you choose a deductible that you can still afford in the event your camera equipment is lost, stolen or damaged, you can save on your camera gear insurance cost. The fixed deductible on the Front Row online quoting program is $350 for equipment. If you currently have a deductible of less than $350 you will likely save money by obtaining a quote here: https://photographer.frontrowinsurance.com   Note: our online quoting tool does not offer a higher deductible than $350.
  • Buy equipment and liability coverage at the same time as a bundle. Combine your coverages and purchase at the same time: this could result in a lower package premium.
  • Do your own risk management and increase security measures. Measures might include:
    • installing a security system [Affiliate Link]
    • converting a closet to a safe room with deadbolts
    • investing in high quality travel cases that lock such as Pelican cases [Affiliate Link]
    • ask your specialized photography insurance broker for more recommendations
  • Always compare quotes. Prices tend to vary from insurance company to insurance company – that’s why it’s always a good idea to shop around and compare quotes. Additionally, look for brokers that specializes in insurance for photographers.
  • Make sure your policy covers commercial activities. 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. If you sell your prints , check your policy and make sure your coverage is appropriate.

We have created a 5-minute online insurance solution, available to Canadian photographers at: https://photographer.frontrowinsurance.com

Camera Insurance

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.

Industry-low photography insurance prices:

  • $10,000 equipment coverage: $75 CAD,
  • $2,000,000 location liability coverage: $200 CAD; $5,000,000: $350 CAD. Liability covers property damage and bodily injury that you do while shooting on location or in a rented studio. Pays legal fees, too.
  • $350 deductible for gear.

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 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 onto the photographer. Although the camera policy is online, we are still available to answer questions by e mail or over the phone if required.”

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:

5 THINGS TO KNOW ABOUT MAKING A PHOTOGRAPHY INSURANCE CLAIM

PHOTOGRAPHY INSURANCE: THEFT FROM VEHICLE

HOW DO I ADD AN ADDITIONAL INSURED TO MY POLICY?

Video: WHAT IS A PREMIUM? WHAT IS A DEDUCTIBLE?

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.

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Topics: photography insurance, wedding photographer