Is there such a thing as semi-pro insurance for photographers?
Update to my update: I now have my camera equipment listed on a separate, stand alone policy with State Farm. It’s not a full inland marine policy with liability coverage, just a personal articles policy to cover replacement cost of the equipment should I happen to, say, drop my camera in the river that I’m photographing. Also, it includes a “professional camera” endorsement, clearing me to sell prints with the understanding that I do not do work for hire, only sell prints of photos I have taken of my own free will (what they consider minimal business use). This is exactly the kind of coverage I was looking for, and for the right price as well. The rate I was quoted was $2.16 for every $100 of insured value. An added bonus is that it’s not related in any way to my homeowners’ insurance, which is through a separate company. This way I don’t have to worry about making a claim to replace my camera and getting dropped from my homeowners policy.
