Before your next trip, run through this list to make sure you’re fully covered—so you can focus on capturing incredible images.
Gear Protection
What is the single-item limit? ______
What is the total electronics limit? ______
Add extra coverage or a gear-specific policy if needed (consider PPA, Hill & Usher, or APA). Pack AirTags or other trackers in your gear bags.
Medical + Emergency Coverage
Confirm health insurance works at your destination(s). Add international travel medical insurance if needed. Consider emergency evacuation coverage (ex: Medjet, Global Rescue). Pack copies of your insurance cards and emergency contact numbers. Share your itinerary with a trusted person back home.
Liability Coverage
Confirm your general liability policy covers:
International work ______
Commercial activity ______
Public locations and models ______
Add additional insured certificates if required by venues or clients. Check drone liability coverage if flying.
Trip Coverage
Verify trip cancellation, delay, and interruption coverage. Confirm what happens if flights are missed or canceled. Check coverage for lost or delayed baggage. Add coverage for non-refundable bookings and work-related cancellations.
Data Protection
Bring multiple backup drives. Back up images daily. Consider insurance that covers data recovery costs. Store backups separately from main gear bags.
Before You Go
Read your policy’s fine print. Know how to file a claim. Save contact info for your insurer. Check for destination-specific exclusions or high-risk areas. Make a digital copy of this checklist and your documents.