I needed insurance. I looked at PPA (Professional Photographers of America) PhotoCare and TCP (Tom C. Pickard). PPA is “included in membership.” TCP is a broker. I compared them to see which one actually pays when disaster strikes.
Key Takeaways
- PPA (PhotoCare): Best for entry-level pros and hobbyists. Coverage is essentially “free” with membership ($300/year). Standard policies offer a $15,000 limit (higher if you pay extra) with a high theft deductible ($350–$500). Works well for accidental drops.
- TCP (Broker): Best for working pros with >$20k gear. It is a true Inland Marine policy. You can insure $100k+. Better coverage for laptops, rental gear, and liability.
- The “Unlock” Difference: PPA policies often require gear to be in a locked vehicle/room. TCP policies are generally broader “All Risk” with fewer loopholes for unattended gear (though still strict on cars).
- Liability: PPA Liability is an add-on. TCP packages usually bundle General Liability + Gear.
The “Why” (The Trap)
The trap is “The Ceiling.”
PPA is great until you hit the ceiling. If you have $30k of gear and the PPA standard limit is $15k, you are 50% underinsured.
TCP scales. PPA fits a box.
The Investigation (My Analysis of the Quote)
I ran a quote for $25,000 gear + $1M Liability.
PPA
- Cost: Membership: $328
Liability Upgrade: $200
Plus Equipment Coverage: ~$100
Total: ~$600 - Pros: Membership perks (education, contracts).
- Cons: Claims process is handled by a third-party adjuster, can be slow.
TCP (The Hartford/Travelers)
- Cost: ~$500 – $600 for a package policy.
- Pros: Direct broker relationship. Tailored coverage (e.g., Drone, International).
- Cons: Harder to qualify (need to be a legit business usually).
[IMAGE: Infographic comparing PPA logo vs TCP logo with “Best For” checklists]
Comparison Table
| Feature | PPA PhotoCare | TCP (Package) |
| Gear Limit | Fixed Tiers ( 15k/15k/ 50k) | Custom ($5k – $1M) |
| Deductible | Fixed ( 50repair/50repair/ 350 theft) | Selectable ( 250−250− 1k) |
| Laptop Coverage | Depreciated | Replacement Cost |
| Liability | Add-on | Included/Bundled |
| Best For | Semi-Pro / Student | Full-Time Pro / Studio |
Step-by-Step Action Plan
- Calculate Total Value: If <$15k, join PPA. It’s the best deal.
- Calculate Liability Needs: If you need specific COIs for venues, TCP turns them around faster.
- Check “Loss of Use”: TCP usually offers better business interruption coverage if your gear is stolen.
- Read the Reviews: PPA claims service gets mixed reviews on speed. TCP is known for advocacy.
FAQ
Do I need a business license for TCP?
Usually yes, or at least a DBA. PPA does not require it.
Can I have both?
Yes, but “Other Insurance” clauses prevent double dipping. One will be primary.
Does PPA cover drones?
Yes, typically included now, but check current limits.