If a client accidentally ruins her camera during the trip, what type of insurance will typically cover this loss?

Baggage coverage insurance is specifically designed to protect travelers against losses related to their personal belongings while they are traveling. This type of insurance includes coverage for items that may become lost, stolen, or damaged during the trip, which would apply to a client who accidentally ruins her camera.

Liability insurance, on the other hand, typically covers the policyholder against claims resulting from injuries and damage to other people or their property, rather than personal property loss. Trip cancellation insurance provides coverage for the financial losses incurred if a trip is canceled for certain covered reasons, and trip interruption insurance covers the costs incurred if a trip is interrupted for specified reasons. Neither trip cancellation nor trip interruption insurance would apply to the damage of personal belongings like a camera. Therefore, baggage coverage is the appropriate type of insurance for this situation.