In honor of Valentines Day and Cupid’s fluttering wings, APA Insurance Services has decided to share a few heartfelt “insurance-love” stories of our very own—that is, instances where we’ve helped our professional photography clients repair damages resulting from the sometimes-inevitable “whoops!” moments that happen to the best of us.
1. Smartphone, Stolenphone
One of our talented clients was conducting a photo shoot this past year when he noticed his Smartphone went missing. Once confirming the phone was stolen, the photographer anxiously called our Photography Insurance Problem Solver, Karen Stetz. Because the Smartphone was properly scheduled and included in his Photography Equipment Floater Policy, our client received a replacement Smartphone matching his previously swiped device. Problem Solved.
2. When “For Sale!” Fraudulently Turns Into “For Free”
One of our clients occasionally sells very expensive photography equipment. When designing a custom insurance plan for this particular client, our photography insurance agent spotlighted this added exposure, and suggested he add Forgery Coverage for an additional premium. Fortunately, the client agreed. Later that year, the client sold an $8,000 piece of photography equipment and received a fraudulent form of payment in return. The APA Insurance Services insured photographer was able to collect damages for what would have otherwise been a very substantial loss. Problem Solved.
3. A Mistake, Thanks to a Snake
Just after securing coverage, one client was in the middle of a mountain shoot when a snake suddenly appeared. Naturally, the APA Insurance Services insured photographer was alarmed and dropped a piece of pricey equipment. Because this item was properly listed and covered under the client’s photography equipment policy, the insurance carrier paid for a replacement. Problem Solved.
While these stories may not compare to real love stories, the insurance professionals at APA Insurance Services find it very rewarding to know we can protect our clients when they need us most. Our agency is committed to making it easy for photographers to secure reliable coverage for less.
Request your free cost and coverage proposal today—by visiting us online at www.apainsuranceservices.com or calling 877.269.9021!
APA Insurance Services is the nationally endorsed insurance provider of APA National. We are proud to provide discounts for APA National members and complimentary certificates of insurance with standard 24-hour turnaround.
Please Note: Just like every photographer and photography business is different, so is every insurance carrier and claim. Thus, these examples are not intended to provide any indication as to what is or is not covered under any particular policy. Our APA Insurance Problem Solvers recommend you speak with your agent or contact our agency to determine what is included in your current coverage. We intentionally changed minor details and withheld names from these scenarios for the sake of privacy.Filed Under: Blog