Is Your Photography Insurance Protecting You Worldwide?
Posted by APA Insurance Services on
Do you travel outside of the United States to pursue photography projects? If so—geographically speaking—are you aware of where your photography insurance coverage begins and ends?
You may not know that general business owners’ policies are inherently limited when it comes to international coverage. If you are photographing outside of the United States, Canada, or Puerto Rico, you would need an insurance extension in order to be properly protected.
APA Insurance Services Problem Solver, Karen Stetz, explains, “most photographers will secure a photography insurance package that includes a business owners’ policy. While this policy generally includes worldwide equipment coverage, it does not include worldwide liability coverage. An international photographer would need to secure an extension of liability insurance so that this portion of their existing insurance plan applies outside of the U.S., Canada and Puerto Rico ”
For example, what if a passerby trips over your photography equipment during a shoot in Europe? The general liability portion of your business owners’ policy will most likely NOT respond in the foreign court if you were later facing a lawsuit. If you secured a worldwide liability extension, on the other hand, you would be covered up to the liability limits.
The Insurance Problem Solvers at APA Insurance Services offer an affordable solution for international and traveling photographers with their worldwide liability insurance extension, which can be added to an existing policy for additional premium.
APA Insurance Services is the exclusively endorsed photography insurance provider of APA National. We maintain a five-star customer satisfaction rating and demonstrate a sense of urgency that our valued clients appreciate—with a 24-hours-or-less turnaround on our complimentary certificates of insurance.