How much have you invested into photography? $300? $3,000? $30,000? What would happen if someone breaks into your car and steals your camera equipment?

The long answer is – it depends! That is because it depends on if you are a professional or if you are just a hobbyist.

If you are a hobbyist then you should have renters insurance or homeowners insurance and you should be able to file a claim if your equipment is stolen, lost or damaged (check with your insurance to know for sure).

If you are a professional (even part time) then you should have business insurance. For two reasons first – most homeowners or renters insurance won’t cover your equipment if they find out you are making money off of your equipment. Second, you want to have some liability insurance in case someone decides to sue you. Imagine someone trips on your tripod or your lighting gear – and people are pretty sue happy these days. So cover your assets!

A fellow photographer had her car broken into and the thieves stole about $20,000 worth of camera gear and even a laptop and she wasn’t insured. That can just destroy a person. Don’t let that happen to you.

Get get some insurance!