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PhotoCare
Activate Your Equipment Coverage
With your membership you will receive PhotoCare coverage.
PhotoCare
Plus*
Protect Your Equipment
- Upgrade up to $100,000 in coverage & replacement cost value
- Fixed $250 deductible per loss
- No breaking and entering limit
- Covers owned and rented equipment
*If you are a resident of New York and have questions about coverage availability, please call us at (888) 202-1526.
PhotoCare Plus Quick Quote
adjust the value of your equipment
PPA General
Liability*
Safeguard Your Business
- General Liability coverage in case something goes wrong on a shoot
- Covers you if someone gets injured
- Applies to claims for covered property damage
- $1 million per occurrence, up to $2 million per year
- More affordable than you think
*If you are a resident of New York and have questions about coverage availability, please call us at (888) 202-1526.
PPA General Liability Quick Quote
my revenue is between
per day or
annually*
Coverage Just For You
Insurance for photographers, designed with your professional needs in mind. Lockton Affinity understands how important it is to have more than just camera insurance―to have all your photography equipment and your business protected. Our friendly and knowledgeable representatives are ready to help you today.
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ESSENTIAL COVERAGE! |
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Compare policy highlightswith this easy-to-use PPA Insurance Solutions review |
PhotoCare$15,000 With your membership you will receive PhotoCare coverage.* |
PhotoCare Plus$100,000 Starting at only |
PPA General Liability$1,000,000 Starting at only |
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| Deductible | $350 for replaced equipment
$50 for repaired equipment |
$250 per loss | $0 |
| Loss valuation | Replacement cost for property, not to exceed original purchase price
Damaged equipment requires repair estimate from qualified repair specialist |
Replacement cost for
scheduled property; actual cash value for unscheduled property |
Up to coverage limits |
| Coverage on location |  |
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| Worldwide coverage | |
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| Computer hardware | |
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| Equipment theft | |
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| Theft of equipment in unlocked vehicles | |
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| Coverage for mysterious disappearances | |
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| Non-PPA members employees coverage | |
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| Drone coverage | |
(available upon request) |
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| Damage to the property of others | |
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| Personal injury | |
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| Libel, slander, invasion of privacy | |
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| Rental auto liability | |
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| Fire, lightning or explosion at rented location | |
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| Acts of terrorism | |
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| Add additional employees to coverage | |
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| Live U.S. based support |   |
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*With your membership ($323 annually or $27.92 per month) PPA members receive PhotoCare coverage. Additional $250 deductible applies.
** Other taxes and fees may apply; costs may vary based on specific application information.
Compare policy highlights
No-cost PhotoCare
$15,000 of coverage
No-cost member benefit
paid for by the PPA
Benefit Highlights
Worldwide coverage on location
Computer hardware
Equipment theft
PhotoCare Plus
100,000 of coverage
Starting at only
$175/year*
Benefit Highlights
Worldwide coverage on location
Computer hardware
Theft from unlocked vehicle
Mysterious disappearances
Employees coverage
PPA General Liability
$1,000,000 of coverage
Starting at only
$227/year*
Benefit Highlights
Worldwide coverage on location
Damage to others’ property
Personal injury
Libel, slander, invasion of privacy
Rental auto liability
Fire/lightning/explosion at rented location
Acts of terrorism
Add additional employees to coverage
* Other taxes and fees may apply; costs may vary based on specific application information.
While you’re scoping out a location, someone breaks your car window and steals a couple of cases of lighting gear. The replacement cost is $4,500.
PhotoCare Plus covers that.
During a photo shoot your client trips over a lighting stand and it falls, gashing her arm. The injury requires stitches and a bill totaling $850.
PPA General Liability picks up the tab.
While shooting a wedding, you back up trying to get the perfect angle and knock a crystal vase off of a table. The vase costs $3,000 to replace.
That’s what PPA General Liability is for.
Contact us
Need help?
MAILING ADDRESS
Lockton Affinity
PO Box 410679
Kansas City, MO 64141
PHYSICAL ADDRESS
10895 Lowell Ave, Suite 300
Overland Park, KS 66210
Coverage is provided by AIX Specialty (“AIX”), a Hanover Insurance company.
Coverage may not be available in all states and is subject to actual policy terms and conditions. AIX is an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates are not subject to regulation by the insurance department of your state of residence. Excess/surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer's insolvency.
PPA Insurance Solutions is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers, LLC in California. Policy benefits are the sole obligation of the issuing insurance company. Lockton Affinity is not an agent of AIX because surplus lines insurers are not permitted to appoint insurance producers.