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Sometimes when you're out photographing, the unexpected happens. Hopefully, it's usually a
good surprise, like catching a perfect moment during a wedding totally unplanned or posed. However, we know that there are also surprises that you don't want to happen--like equipment breaking during a photo shoot! 

Replacing broken equipment isn't always economically feasible, and equipment insurance can also be expensive. So where do you turn?

Luckily, PPA members (U.S. and Puerto Rico-based Professional Active or Life members) can get up to $15,000 of equipment coverage paid for by PPA. You read that right--it's all included with your membership fee and you pay no additional premium to receive this coverage. Sounds pretty sweet, right?

PhotoCare Equipment Insurance will cover loss of equipment due to fire, theft or breakage. There's only one thing you have to do to be covered! Log in to PPA.com and visit the MyPPA section. If you're eligible, you'll see "Your current PhotoCare equipment insurance status" with a "Activate my PhotoCare" link to click. Once you've opted in, you're covered! 


Do it today! You'll be thanking yourself for opting in if you end up with a broken camera, broken lens or other broken equipment at a photo shoot. PPA is proud to offer this program so that you can be more and continue to do what you love even if the unexpected happens! 

Questions? You can read up on all the PhotoCare details and FAQs. Or, contact our customer service department at 800-786-6277 and they'll answer any questions you have. You can also check out tips for protecting your equipment on the PPA Today blog.

So, opt in now  (right now--we'll wait)... so you're not caught by surprise and left with a sore wallet if you suffer broken photography equipment or loss due to theft or fire. 

Not a PPA member? Join today to get access to PhotoCare Equipment Insurance. 

One of the top reasons many professional photographers join PPA, aside from the great educational and business benefits, is PhotoCare equipment insurance. PhotoCare offers up to $15,000 of photographic equipment insurance coverage, the premium  has been  paid for by PPA. PhotoCare covers loss due to fire, theft, water damage and breakage for U.S. and Puerto Rico-based Professional Active and Life members. This great member benefit protects you from the unexpected, but not the avoidable. And with summer in full swing, it seems like the prime time to share some theft prevention tips so you're not caught paying out of pocket for some pricey equipment.

Tip #1: Don't leave your windows open. That means your car, your office or your home. Seriously. We understand a cool breeze feels great on a warm afternoon and it's cheaper than air conditioning, but PhotoCare doesn't cover negligence.. Take preventative measures, such as closing (and locking) your windows to ensure your gear doesn't have an impromptu or mysterious disappearance. 

Tip #2: Lock your doors. Whether it's your studio, vehicle or house, locking your doors is imperative to keeping thieves at bay. Even if you're gone for a minute, your thousands of dollars' worth of equipment can walk off and you'll be left footing the hefty bill. 

Tip #3: Bring a trusted friend. Never leave your equipment out in the open, or with a stranger. If you're on location for an assignment, try leaving any piece of equipment you don't need right away in your (locked) vehicle or find a secure room on the property to leave your things. 

What's the big picture? Don't tempt thieves. Take all the preventative measures you can to ensure you have the strongest case, should anything happen. 

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What happens if despite your best efforts, the unfortunate does happen? Remember to keep a running list of your equipment (complete with serial numbers) and proof of purchase. Insurance claims will move much quicker if you're prepared with the necessary paperwork. 

If you've damaged your gear and have potentially lost data, file a claim with the Indemnification Trust. What's that? It's like malpractice insurance that will save you (potentially) thousands of dollars (check out our post about it here!) 

PhotoCare covers the most common things, over the broadest spectrum that can happen to a photographer. If you feel like your business needs more coverage, Lockton Affinity also offers PhotoCare Plus which includes up to a whopping $100,000 worth of insurance, PLUS mysterious disappearance and unlocked-door theft (yep!). See our handy-dandy chart for a side-by-side comparison to see which policy might be right for you! 

If you have any questions or comments about PhotoCare or PhotoCare Plus, do not hesitate to contact PPA! We are your advocates in this process and bear no judgment in the decisions made by Lockton Affinity (the brokers of the PhotoCare policy). Drop us an email at csc@ppa.com or call at 800.786.6277.

As a photographer, the one thing you probably love more than (or at least as much as) creating a beautiful photograph is the gear you use to capture it. We don't just mean your prized camera, but also the lenses, the lights, the tripods and even the laptop and other computer gear you use to produce the finished product!

Recognizing your love of gear and the role it can play in helping you stay ahead of the competition, PPA has offered members the ability to access free and affordable equipment coverage. We want to make sure that we're helping you protect not only the equipment you love, but your livelihood as well. Read more here.


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