Claims & Underwriting
What happens when you file a claim, and how insurers decide who stays covered — non-renewals, risk classification, and the claims process itself.
Your Camera Fell Because the Clip Wore Out. Does Insurance Care Whose Fault It Was?
A Peak Design Capture Clip let a Sony 70-200mm GM II slide free and hit concrete. The Reddit thread split between blaming the product and blaming the owner. The more useful question is what a gear policy actually pays for once the camera's already damaged.
Read →
Why Your Camera Insurance Premium Can Jump 50–137% With Zero Claims
Multiple wedding photographers with clean claims histories describe the same Hiscox renewal shock — premiums up 50% to nearly 3x, with no explanation beyond 'market conditions.' Here's why that happens even to good customers, and what actually works instead of just paying it.
Read →
When Your Insurer Drops You for Shooting 'Risky' Subjects
A photographer with zero claims got non-renewed by The Hartford after an underwriter decided wildlife and sports photography counted as high-risk — and demanded specific photos come off their website first. Here's how that classification actually works.
Read →
Your Camera Was Stolen or Broken: Here's the Claims Process, Step by Step
What to do in the first hour, what to document before it ever happens, and how the actual claims process works at real gear insurers — sourced from their own claims pages, not generic advice.
Read →