PPA insurance is one of the many useful benefits of having a PPA membership. Like any other insurance policies you may come across, PPA allows you to select the options that fit your business, so what is covered varies. And you'll get different coverage with different levels of membership.  However, a basic policy comes with the standard PPA membership, which includes equipment coverage. At the time of writing this article, this is what you can expect from PPA's PhotoCare insurance policy: Full replacement value of stolen or damaged equipment ($350 flat deductible), equipment repairs ($50 flat deductible), and up to $15,000 in total coverage. PPA specifically states that drones and other unmanned aircraft systems are not covered in this basic plan. If you need additional coverage for drones, upgrading to PhotoCare Plus will meet your needs. If you have the Full Plus membership, you'll also get general liability insurance included in your membership price.