Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Complete Quick Quote Form in about 2 minutes
• An experienced insurance agent will call you for phone quote
• Accept quote and coverage confirmation may be emailed in minutes.

These stores sell digital and film cameras, plus camera-related items such as film, tripods, lenses, flash bulbs, chargers, USB cords, carrying cases and photo albums. Film development, customer use of dark rooms, repair services and photography classes may also be offered at these businesses. Some camera stores offer the services of professional photographers for special events such as weddings to their customers.

General Liability Insurance for Cameras & Photo Equipment Stores – Camera and photo equipment stores must provide open and clear walkways and sidewalks. The stores should practice good housekeeping by keeping the store free of obstructions and debris and vacuuming and/or sweeping floor coverings daily. Cameras and photo equipment must be within customers’ reach to help prevent injury. Products liability risks are increased if the store offers repairs, refurbishes equipment to resell, or if they import any products.

Workers’ Compensation Insurance for Cameras & Photo Equipment Stores – Camera and photo equipment shop employees may experience back injury as a result of lifting. Loss control measures include instruction on lifting techniques as well as the use of conveying equipment. Electrical shocks and shelving collapse are additional workers’ compensation concerns for camera and photo equipment stores.

Business Automobile Insurance for Cameras & Photo Equipment Stores – Camera and photo equipment stores will be at risk if a vehicle is provided for employees to run an occasional errand. A valid license is required of any driver and vehicles should always be in good repair. Risks can be lowered if the vehicles are late model sedans, vans, or pickups.

Property Insurance for Cameras & Photo Equipment Stores – Theft and fire are risks at camera and photo equipment stores. Cameras are small and valuable and, therefore, easy to steal. The store should be properly secured with and electronic tagging system and door exit alarms to help prevent loss due to theft. The products used in repairing cameras and photo equipment as well as the chemicals used to develop photos are highly flammable. Cameras and photo equipment are sensitive and highly susceptible to damage from smoke, heat, and water. A small fire can result in a total loss to these types of contents.

Crime Insurance for Cameras & Photo Equipment Stores – Camera and photo equipment store employees may steal money or merchandise from the store. In addition, store visitors may use invalid checks or credit cards to pay for merchandise. Camera and photo equipment stores should be equipped with the necessary equipment used for identifying fraudulent checks and credit cards. Cash may also be stolen in the event of a robbery.