Designed to Protect Your Photography Business With Important Coverage Add-Ons for Professional Photographers
Equipment Coverage
Protect your owned and rented photography equipment with our replacement-cost coverage. Unlike some of our competitors, our coverage reimburses you for today’s cost. Imagine having to file a claim when you dropped an expensive piece of equipment (costing $10,000 to purchase new) and your insurance check is $6,000 due to its depreciated value. Sound horrible? We think so too.
- Covers OWNED and RENTED equipment
- WORLDWIDE Coverage
- Includes Coverage for THEFT FIRE, VANDALISM and ACCIDENTAL BREAKAGE ($250-$500 deductible)
Business Personal Property
The loss of any property you own or create for sale affects your bottom line. Business Personal Property (BPP) covers property owned by you and used in your business operations.
Examples of covered business personal property include:
- Sets
- Wardrobe
- Props
- Office Furniture
- Etc.
Business Income Coverage
What if a power outage interrupts a big-budget shoot and you’re forced to cancel it? Knowing that you’ve spent weeks preparing for the shoot and that you’ve made a significant investment in special props and equipment, would probably leave you fearful of the financial impact. Many photographers count on these big projects to keep their business (and personal) finances on track. Due to the nature of the industry, there are many moving parts, so it isn’t impossible for something completely out of your control to threaten your bottom line. Business Income coverage can repay your lost income and prevent the financial impact of situations (like a power outage) from causing serious damage to your balance sheet. In addition, the policy may cover your move to a temporary space, pay for utilities, bills or payroll until your operations are up and running again. Unfortunately, even the most cautious, responsible and undeserving photographer can find him/herself in the wrong place at the wrong time and as a result, lose out on much needed income. So, we’re pleased to have the right coverage for that.
General Liability Insurance
General liability insurance is a popular coverage among photographers and videographers. Why? Because it’s an easy way to maximize your business’s financial protection while keeping costs minimal. Lawsuits are not usually “affordable” and if a third-party (ie. the legal term for person(s) not working for your business) alleges that you, your business or your employees, caused bodily harm or property damage, you could face major out-of-pocket costs!
- Coverage Limit of $2,000,000 for general liability claims
- ON AND OFF-PREMISES Coverage
- Coverage across the United States, and extending to territories including Puerto Rico and Canada
- Coverage pays for legal/court fees, defense costs, or any settlements, judgements, etc., resulting from a general liability claim
Imagine being an un-insured photographer in one of the following scenarios:
- Injury at Your Studio: A young child is sitting on a tall prop for a family shoot. His quick movements make it unstable, and he comes crashing down. The child is rushed to the hospital and suffers a broken-bone.
- Off-Site Property Damage: You are shooting a commercial in a newly refurbished office building and realize your camera equipment has scratched the hardwood floors.
- Off-Site Injury: You’re filming in a public park and your assistant forgets to secure a loose cord. A pedestrian trips on the cord and falls on the ledge of the cement sidewalk…
- Property Damage at Your Studio: You’ve been hired to photograph a world-renowned clothing designer’s new collection. In the middle of photographing, you accidentally step on part of a gown while the model is walking, causing it to tear. The custom-made dress is worth $4,500… and now you’re on the hook!
Errors & Omissions Insurance
Errors and Omissions Insurance, also known as professional liability insurance, protects you and your photography business in the event of a customer alleging that your service resulted in an incorrect, incomplete or unexpected outcome. The coverage will protect you and your business against the costs associated with a lawsuit, including legal defense and any settlements or judgements. Because there is potential for error or oversight as a professional photographer, the potential of a lawsuit is not out of the question.
Coverage for Hired & Non-Owned Vehicles? Learn What This Plan Includes:
Hired & Non-Owned Liability Insurance
Non-Owned & Hired auto liability covers bodily injury and property damage caused by a vehicle you hire (rent or borrow) or caused by non-owned vehicles (including vehicles owned by others and/or your employees). It pays for legal fees, judgements and/or settlements.
As a professional photographer, errands and rental situations always come up so you may quickly find yourself in a situation where you need this coverage.
Auto Physical Damage Insurance
This coverage protects you (as the business owner), your business and your employees when you temporarily rent, lease, hire or borrow vehicles for business use from costs of physical damage. Especially if you’re a traveling photographer, this coverage will allow you to rent vehicles without needing to purchase physical damage coverage at each rental kiosk.