My name is Gigi M. Knudtson, and for more than a decade I’ve worked with professionals whose livelihoods depend on portable equipment—jewelers, photographers, engineers, medical contractors, and field researchers. In my experience, people often buy insurance assuming “travel coverage” is automatic and unlimited. It is not. The details live in definitions, sub-limits, and state-level rules that most policy summaries never explain.
Equipment insurance is a form of inland marine or commercial property insurance that covers movable tools, instruments, and devices used for work or specialized activities. Travel coverage is not a separate policy in most cases; it is an extension that applies when the equipment is outside the primary insured location.
From what I’ve seen in claims reviews, insurers focus on three variables:
While policy language varies, coverage often includes:
Insurance is regulated at the state level in the U.S., which affects policy language, consumer protections, and claims handling deadlines. Below is a practical comparison of common regulatory features affecting equipment insurance and travel-related claims.
I’ve often seen valid claims delayed simply because serial numbers or purchase records were missing. Keep digital copies in cloud storage before you travel.By Gigi M. Knudtson, Founder
Many policies do, but coverage is often limited by territory clauses and may exclude certain countries. Always confirm before traveling.
Usually yes, but only up to policy limits and often after airline liability is applied first.
Many insurers allow it if you list the equipment and show contractual responsibility for damage or loss.
Replacement cost is generally more protective, but availability depends on state regulations and underwriting rules.
In most cases, no. Travel insurance typically excludes professional or high-value tools.