Insurance Package for Professional Photographers
- Camera Equipment Protected Worldwide (Theft included)
- Rented Camera Equipment
- $2,000,000 Comprehensive General Liability Coverage
- Portfolio Coverage
- Computer Equipment Coverage
- Office Furniture and Equipment (Theft Included)
- Property of Others on and off premises
- Business Income Protection Including Extra Expense Coverage
- Photographers E&O Professional Liability (available in some states)
Business Owners
Business Owners Package policy, commonly called a “BOP” contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your photography business. This liability protection will generally include the liability from your products or completed operations, the operation of your business–at its established location, and will extend nationwide for your location shoots.
Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage.
Professional Liability (Errors & Omissions)
Professional liability insurance, also sometimes referred to as Errors and Omissions, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.
General Liability
Business general liability insurance policies provide coverage if your business is held liable for actions taken by it or its employees. Some coverages usually found on these policies are as follows:
- Property Coverage – A general liability business insurance policy provides coverage for property damage caused by your business, if you are found liable for said damage.
- Personal injury – If a person is injured through the actions of your company, then this bodily injury may be covered by your commercial general Liability insurance coverage. This personal injury can either happen at your place of business, or somewhere else.
- Product Liability – If a product that your company sells or manufactures is found to cause damage to property or persons, your general liability insurance for small business may cover the incident. Depending on your situation, you may need a separate product liability policy.
There are many other coverages afforded by most comprehensive general liability insurance policies. Make sure your company has the coverage it needs to protect its future and assets.
