Freelancers routinely carry thousands of dollars of gear — cameras, laptops, lighting, tools — and routinely assume a homeowner or renter policy covers it. Those policies often cap or exclude business-use equipment, especially away from home. Business equipment coverage (often written as inland marine or a business personal property floater) is the category built for portable professional gear.
Educational guide, last reviewed July 30, 2026. Not insurance advice. Policy wording controls what is covered. See the GigCoverCalc methodology and consult a licensed insurance professional before making coverage decisions.