No matter how experienced or careful you are, your equipment can be lost or damaged by breakage, water, fire, vandalism, lightning or more commonly - theft! You’d be out a great deal of money if your equipment was stolen, lost or damaged. And you can’t rely on your renter’s insurance to help you out. When your equipment is part of your business, it probably won’t be covered by homeowner’s or renter’s insurance on or off premises.

The Professional Photographers of America "Special-Risk" Photography Equipment Insurance Program is just the type of protection each professional photographer can count on . . . it covers everything you own from cameras, computers, lenses, meters . . . to video tape equipment - right down to your camera bag and film. And you're covered no matter where you go . . . up to the scheduled value of your equipment.

The best part: This "Special-Risk" Program is available to you at a very reasonable cost. Don't leave your expensive investment to chance . . . protect it with the PPA "Special-Risk" Photography Equipment Insurance Program.

Your first $15,000 of equipment: $2.40 per $100 value
Over $15,000 of equipment: $1.75 per $100 value

NOTE: Minimum premium is $25. Total values in excess of $100,000 must be submitted for individual analysis, and acceptance may be subject to additional information. There is no limit to the amount you can apply for. Coverage will become effective for $100,000 or more upon approval by the underwriting company. Program is subject to a deductible of $100 for each loss.

Now available to PPA members is an option for Film and Video Tape Endorsement. This option added to the "Special-Risk" Equipment Program covers the cost of a job in case the film is damaged or lost in transit back and forth from a developing lab.

This means that members are protected from the time the film leaves their hands to the time the developed materials are returned.

Because this aspect of coverage is not covered under PPA’s self-insured indemnity plan. In addition, FedEx, UPS, the Post Office and other delivery companies only cover the cost of the film, not the job should it be lost in transit. That means you, the member, would lose money.

This option covers up to $1,000 per occurrence with an annual policy aggregate of $3,000. This option is only available with the PPA Equipment Program and only costs $100 per year. This is a small fee to pay when you think of the repercussions of losing an entire job.

Well over $3,000,000 in claims have been paid to PPA members insured under the PPA"Special-Risk" Photography Equipment Insurance Program! Just read some of the comments about this Program made by your fellow members!

"Thank you for sending payment on my claim under my Professional Photographer's of America Insurance Plan. I have found that you processed my claim promptly, courteously, and fairly. I feel very comfortable using you as my insurance carrier and secure knowing you are supporting me. Thank you for dealing with me professionally and I look forward to continuing our professional relationship."
- David A. Fairall

"Thank you for the response to my recent claim. Having never had to file a claim, I was apprehensive as to what may happen. I must say that everyone I spoke with was very cooperative and helpful. I appreciate your timely settlement and the ease of dealing with you."
- Joel Whisenant

"I just received payment on my claim for damaged equipment. I received payment about three weeks after I filed the claim, and I am quite satisfied with the speed of service. Thank you for your interest in my satisfaction with your services."
- Jim DiMauro

Enrollment materials are currently not available. Please call 1-800-503-9230 for enrollment information.

To apply, please call our toll-free number at: 1-800-503-9230.