Insurance
Photography insurance myths debunked We take a look at some common misconceptions surrounding imaging insurance
Myth 1: ‘My home insurance covers all my photography gear’ One common assumption among many photography enthusiasts is that standard home insurance fully covers their camera and equipment. While home policies may indeed cover personal belongings, there’s often a limit – particularly for specialist or high-value items like camera gear. Additionally, if your camera is stolen or damaged when you’re away from home – perhaps on holiday or a photography outing – home insurance policies may offer minimal or no coverage. Dedicated photography insurance ensures your equipment is protected both at home and away, giving enthusiasts peace of mind to enjoy their hobby wherever it takes them. If you shoot professionally, you may also need specialist cover, even if you aren’t on a job when you claim. “Cameras could be considered commercial property if they’re used for business purposes, meaning home insurance policies may not cover them as standard,” says Greg Caswell-Smith, insurance product manager at Simply Business. “Best to check with your current insurer
WORDS BY PETE TOWNSHEND
INSURANCE MAY NOT be the most exciting part of photography, but it’s certainly one of the most crucial – whether you’re a weekend enthusiast or an aspiring professional. Despite its importance, insurance is a topic often clouded by misconceptions. These misunderstandings can leave you vulnerable financially if things go wrong. Here, we clarify common myths that affect all photographers, highlighting why understanding the truth is essential. DOOMSDAY If the worst happens and your pride and joy is pretty much destroyed in an accident, you’ll be glad you bought the right insurance
38 Photography News | Issue 121
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