Hi all,

Does anyone have suggestions for camera & gear insurance? I've been looking into Front Row Insurance Brokers (https://photographer.frontrowinsurance.com/). Does anyone have any experience with them or other insurance solutions?

For reference, I'm in Canada and I would have about $12k replacement cost in gear.

Thanks for any advice.

Jean

You wouldn't necessarily need (at least in US) a specialized photography policy to cover gear.   

I'm in Canada and I could not get coverage for my camera gear under my home insurance policy, not even as a floater at an additional cost. AND my gear would specifically not be covered under the normal "contents" coverage of my home insurance policy. As far as they were concerned, if I earned even one cent from my images, I had to get a crazy expensive commercial policy. That's what you get for being a good customer for over 40 years. :-(

I couldn't find any other insurance company that would cover the gear as part of my home policy. I ended up getting a commercial policy from a company that offers specialized coverage. It's expensive too, but not as much as my regular insurance company would have charged. This policy does place some limits on the number of trips/amount of time I would be taking the camera gear out of the country.