Whether you’re a world traveling photojournalist, a creative shooting headshots as a side hustle, or a passionate amateur – Front Row Insurance understands that cameras and lenses are more than tools of the trade; they’re a means of expression.

What many photographers do not realize is that if you have received money for your photography, your gear is now considered “commercial equipment.” This, in turn, means that your homeowner or rental insurance policy, which is intended to cover “personal” possessions, may not be covering your photography equipment. The Front Row Online photographers policy covers commercial equipment.

We offer:

  • Fast online purchase with low rates   
  • An affordable minimum $350 deductible on most equipment
  • Flexible and customizable options
  • Policies in minutes 
  • Coverage for theft, damage, and fire

Front Row's Photography Insurance package is fully automated, meaning we can cut down on the administrative expenses, and pass the savings onto our customers. Note: this online coverage is only available to individuals, partnerships or corporations based in Canada, except for Quebec. Quebec residents can click HERE to apply.

Also note: We do not have monthly payment options for our online policies.

The following Exclusion has been added to this policy: 

COMMUNICABLE DISEASE

This insurance does not apply to loss or damage or production loss:

•     caused by or resulting from communicable disease;

•     which is in anyway attributed to the presence of communicable disease; 

or, regardless of any other cause or event that directly or indirectly:

•     contributes concurrently to; or

•     contributes in any sequence to,

the loss or damage or production loss, even if such other cause or event would otherwise be covered.

Here is what makes Front Row’s custom insurance for still photographers Best in Class:

Front Row Other Programs
Optional Worldwide Equipment Coverage Territory Yes Yes
Automatic $10,000 Office Contents Coverage + $5,000 in Laptop Coverage Yes Extra Charge
$15,000 of Money & Securities Yes No
$10,000 of coverage for newly acquired equipment for up to 30-days Yes Yes
Coverage for Earthquake & Flood included up to your full Equipment Values Yes No
$7,500 of Library Stock ("Portfolio") Coverage Yes No

Buy Your Policy Right Now!


Insuring your photography equipment with Front Row will be an easy and simple process that will leave you feeling confident that you are protected in the event of an insured loss.

An affordable and comprehensive photography equipment insurance package is waiting for you.

I use Front Row Insurance. They are the only company I could find that would insure my gear all over the world. Reasonable rates too. I haven't had to make a claim, but I like the cost ($600 per year for full coverage all over the world, including $2 million in business liability). That's for $50K+ of gear.

Grey Ghost Nature Photography