If you're a creative agency, freelance videographer or photographer, you likely carry around a lot of expensive equipment in your vehicle. Filming at different locations can involve overnight stays, meaning expensive equipment is often left in a car or van overnight. 31% of photography equipment thefts are from the car — a significant risk when travelling with expensive equipment.
A specialist insurance policy for creative professionals is the best way to make sure your equipment is protected from vehicle theft. What to look for:
- Comprehensive Equipment Coverage: ensure the policy covers laptops, cameras, video and sound equipment and other tools used.
- Vehicle Theft Protection: specifically ask if the policy covers theft of equipment from your vehicle, including both parked and transit scenarios.
- Time exclusions: check whether there are any time exclusions — many standard policies exclude 9pm-6am, meaning no full overnight coverage. Eggar Forrester Creative can cover the whole night with no exclusions with some of our providers.
Although times are hard financially for creative agencies and freelancers, this is not the time to reduce your insurance premium by reducing your cover.