The ACT Annual policy also gives you the option to add on Tools, Supplies, & Inventory coverage, also known as Inland Marine insurance. This coverage could insure your photography gear and equipment against theft and damages. It could also insure the items you bring to events.
While this coverage may protect some of your photography gear, it’s really designed more for protecting art and craft tools—not necessarily expensive cameras, lenses, and memory cards. This means there is a possibility that some photography equipment claims may not be covered.
However, this coverage is a great way to insure your prints, tent, displays, and other supplies you take to an event. (Claims made for damaged or stolen prints will not be replaced at retail value, rather we would help you cover the cost of the supplies needed to make the prints.)
Ask yourself: Do I need to insure thousands of dollars worth of photography equipment? If you do, then this coverage may not give you the full protection you’re looking for. Some photographers may be using older gear that doesn’t need much insurance. Others may only care about using this coverage to insure their stuff while at events.