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Category: Photography Insurance

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...

Insurance Claims Examples for Professional Photographers: What is What?

Posted: February 8, 2019

I find that giving my clients examples is the best way to teach them how photography insurance works. Here are the three most important policies I issue on the regular: 1.) Equipment, 2.) Liability and 3.) Errors & Ommissions. Below are some claims situations that shed light on what exactly your policy protects you against: Equipment Example 1: You get on a plane and put...

Visit APA at Booth 156 - PhotoPlus Expo 2018 NYC!

Posted: October 24, 2018

Hey photographers and industry professionals, Be sure to stop by booth 156 at PhotoPlus Expo for some awesome giveaways and a chance to win hundreds of dollars in gift cards to B&H Photo! As always, our team will be there to answer any questions you may have regarding your current photographer's insurance policy or guide you in choosing a new policy(ies) for your photography business....

Photoshoot Liability: What are the risks?

Posted: August 28, 2018

Professional photographers are hired for two things: 1.) make the client happy and 2.) produce stunning imagery. To achieve these goals, they select things they can control such as the photoshoot location, props, camera angles and editing. While there are several things photographers can control, it's important to remember the hidden elements that many forget to consider. This is where APA Insurance Services comes in...

Are You A Photographer Experiencing Higher Insurance Premiums? 💸

Posted: June 14, 2018

At APA Insurance Services, our sole focus is to work with pro photographers to shop the best rates and coverage for their business. Recently, I have seen a growing trend of rate increases for photographers for no particular reason, especially coming from those insured with other association-based insurance programs. This is where it’s important for photographers to know their options. There are a multitude of...