The experts at APA Insurance Services work to provide each photographer with a custom insurance plan tailored to his/her needs. Our agency understands that each photographic artist is different and engages in different risk exposures. It’s important your agent acknowledges this—otherwise, you may be paying for coverage that doesn’t necessarily pertain to you, and blindly conducting operations without the coverage you NEED!
Photography Umbrella Insurance is applicable to clients in need of higher liability limits than their general liability, business owners’ policy, etc. provides.
For example, if you’ve secured secure a photography business owners policy with APA Insurance Services, it typically includes $2,000,000 in General Liability.
An umbrella policy would make the most sense if you foresee yourself needing (or you feel most comfortable with) a higher limit.
If you started a fire in a high-end building, and the damage exceeded $2,000,000, an umbrella policy would pick up the difference up to the policy limits. For example, if you were liable to for $2,500,000 in total damages, a $1,000,000 umbrella policy would cover the additional 500,000 not covered in your initial policy.
Generally speaking, umbrella policies tend to be competitively priced and easy to secure. Contact one of our photography insurance experts regarding an umbrella policy, camera equipment insurance or any other coverage you may be interested in!
As always, APA Insurance Services works to provide you with the most tailored and reliable coverage for the BEST price possible! Request a FREE proposal of cost and coverage online or call 877.269.9021!