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Category: Insurance Education

Workers Comp Explained and Why It's Important For Your Photography Business

Posted: June 27, 2019

Hey Photographers, Let's talk Workers Comp!This coverage will provide benefits, as specified by state law, to employees (freelancers subcontractors) for work related illnesses regardless of who is at fault. Typical covered expenses include medical expenses, healthcare costs, disability income benefits and death benefits. Please note most personal health/medical insurance policies do not cover work related injuries. If you have anyone working under your supervision/discretion and they...

Why Pro Photographers Need Workers’ Comp Insurance

Posted: May 8, 2018

Many photographers often neglect thinking about workers' comp or simply assume it is already included in their Business Owners/Liability policy… but think again. How does it work: Workers' Compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of...

Which Photography Insurance Policy Is Right For Me?

Posted: January 14, 2017

Different Policies For Different Photographers When starting a photography business, insurance may be the last thing on your mind, but as you grow it will become more and more important. In our experience as professional photography insurance providers, there seem to be four key pieces of the insurance puzzle that really require some consideration in order to obtain the best coverage at the right price....

Photography Insurance Claim: To File Or Not To File?

Posted: November 15, 2016

To file or not to file? That is the question. When trying to decide whether or not you should file an insurance claim, it’s important to consider the many factors that play a role in making the appropriate decision. Our Photography Insurance Problem Solvers suggest you contact your agent (or in our case, Insurance Problem Solver) before taking any action. An insurance professional will be better suited...

Photographers: What You Need to Know about Subcontracting

Posted: November 2, 2016

If you've been a professional photographer fora while, you are plenty acquainted with the ins and outs of subcontracting. However, if your photo shoot ends in a lawsuit, do you know how your business is affected? Many professional photographers have never thought that far ahead, and your subcontracting status can determine whether you have put yourself and your business at great risk. Can you weather the...