What’s the difference between PhotoCare and PhotoCare Plus?
PhotoCare: The PPA pays the premiums for $15,000 of basic equipment coverage, called PhotoCare, as a benefit to its members. This policy is exclusively for eligible PPA members who have activated their coverage.
PhotoCare Plus: A policy that is open to all PPA members as a stand-alone individual policy―or additional equipment insurance above the no-cost PhotoCare Insurance. Rates are pre-negotiated and very affordable. You pay the premium for this coverage.
Do PhotoCare or PhotoCare Plus policies include General Liability coverage?
No, General Liability Insurance is a separate, yet affordable policy, which you can buy here. And, if you own a studio and need Business Owners Insurance, you can call us to apply at 888.202.1526.
What’s the deductible for the PhotoCare policy?
The PhotoCare deductible is $250* for the first loss, $500* for the second loss, and $750* for the third loss―all within a rolling twelve month period. Once you are claim-free for a twelve month period, your deductible reverts back to $250.*
*Note: The deductible for claims is increased by $250 for each claim.
How do I get a copy of my PhotoCare or PhotoCare Plus policy?
You will receive your policy documents by email. If you need additional information please use our contact form or call us at 888.202.1526 for help if you need it.
What are payment options for PhotoCare Plus and General Liability?
Our online payment system accepts MasterCard, Visa, Discover Card and e-checks for your convenience.
How do I renew my policy?
You can renew quickly and safely online – simply go to https://payments.locktonaffinity.com/ppa and the complete the short online form. You will need your account number and your ZIP, phone number or email address used when purchasing your original policy.