Does Inland Marine Cover Cameras?

A camera used by a business could be insured as scheduled equipment, but the label “inland marine” alone does not include every camera or accessory. The cited contractors’ equipment policy uses an equipment schedule and specifies the covered property; it does not establish a general camera-coverage rule. Commercial-property coverage may also apply to business personal property at described premises, with different off-site terms.

List cameras, lenses, lighting, media, and accessories with their values and typical locations. Ask whether employee-owned or rented gear is included, and check transit, unattended-vehicle, theft, mysterious-disappearance, and worldwide-territory provisions. Confirm whether limits are per item or shared, and whether depreciation or replacement cost applies after a covered loss.