You might not think you need insurance for your photography gear. After all, you take good care of your equipment and you’ve read all the tips on avoiding theft. You’re vigilant about keeping your camera with you on a slash-proof strap at all times. You don’t travel alone. It’s not likely that insurance would ever be worth the cost. Right?
This video of thieves stealing a photographer’s expensive lens might make you think again:
In the short footage, a photographer in Saint Petersburg, Russia is overwhelmed by a group of thieves who steal the lens right off the camera around his neck in the blink of an eye. Organized criminals are able to get away with this sort of offense by distracting their victims and fleeing the scene before anyone can make sense of what is happening. In cases such as these, even the most cautious traveler can be caught off guard.
Incidents such as these are a good reminder for photographers to insure their cameras, lenses, and other valuable gear. Look into your existing insurance policies to see if your camera equipment is covered. Travelers insurance is one option for protecting your valuables while you’re in unfamiliar territory. If you’re a pro, it’s likely Desthat your standard homeowners or renters policy does not cover your gear; there are special insurance programs available through professional photographers’ associations.
Though you may try your hardest to avoid being the victim of theft, there’s always a chance that you’ll be in the wrong place at the wrong time. The value of camera gear makes insurance indispensable. Your peace of mind is worth the monetary expense.
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