Photography Gear Insurance - Policies have an ON Premises Limit and a separate OFF Premises Limit
Almost all professional photographers insurance policies have a separate ON Premises equipment limit and OFF Premises equipment limit. The ON Premises limit might be $50,000, however, when you go OFF Premises (on location) the limit of coverage is usually lower, say $10,000, $15,000, or $25,000. Make sure you discuss this with your insurance broker and/or read the fine print of your policy. Also, discuss the coverage treatment - Is your equipment covered at Replacement Cost o
