Renting a lens or camera - Insurance tip

Make sure your professional photography insurance policy covers equipment in your "care, custody, and control". Some policies include this. Others exclude. And others, offer an optional endorsement (rider).

When renting a lens or camera, make sure and rent the lens in the same entity name that is listed on your insurance policy. For example, if your professional photography insurance policy lists your company - "ABC Photography, LLC" or "ABC Photography, Inc." as the named insured, make sure the rental agreement you sign with the rental company matches. If your policies names you, a sole proprietor "John Smith", then rent the equipment in your name "John Smith". I have never seen a claim of theft or damage to rental equipment denied for this reason; however, the insurance company could deny coverage because "insurable interest" does not exist. Meaning, if one entity takes out an insurance policy and another entity rents a lens there is no insurable interest.

If you would like to talk about this or may have other questions about professional photography insurance please call 801-451-8880. You can also send us an email hburkholz@allstate.com. Request a professional photography insurance quote at www.professionalphotographersinsurance.com or www.nationalphotographersinsurance.com

This information is advisory and not a guarantee of coverage. See your specific policy for coverages, limits, and exclusions.