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have you ever thought about what would happen if your expensive camera gear got damaged or stolen hey Im Ray and today were talking about gear and Equipment coverage better known as inland marine coverage in the insurance world today well explore everything you need to know about full-frame insurances gear and Equipment coverage so you can make an informed decision and feel confident that youre choosing the right policy for your business so lets dive into your most commonly asked questions why would I need equipment coverage in the first place lenses lighting and other photography and videography gear can get really expensive and the cost of preparing or replacing it can be equally high if your gear were to get damaged or stolen without the right insurance coverage you could be left to pay to replace it out of pocket additionally no gear means no gigs so the longer it takes you to save up to replace it the longer youll be missing out on the income youd normally earn from your sh