Getting Your Photography Business the Right Coverage
Whats Covered With Photographers Insurance?
As a professional photographer, youre a specialist in your field, and we are specialists at insuring it. We understand the unique risks you face. Thats why we offer customized photographer liability insurance tailored to fit your specific needs.
Professional liability insurance Professional Liability covers you in cases where someone outside of your business such as a client alleges you or an employee make a professional error that caused them financial loss. This can include
Faulty hard drive: You have been contracted to photograph a wedding, and your hard drive fails, causing you to lose all of your pictures. Your client could make a claim against you for failure to deliver the services promised.
Dissatisfied client: You are hired to cover an event, but you forget to take pictures of key people at the event. Your client may make a claim against you for negligence regarding the failure to fully deliver the services agreed upon.
Not fulfilling promised services: If your studio caught fire and burned down, with work from various clients left uncompleted. Your clients would doubtfully be unsatisfied and possibly seek legal action against you.
Was poorly executed . A client wants her wedding ceremony shot in a specific style, but when she reviews the film, it looks like all the photos were shot with the wrong settings.
General liability insurance This coverage protects in cases of injury such as someone tripping over a chair in your reception area, falling over a loose electrical chord, or colliding with a lightstand Many building owners, wedding halls and country clubs, require photographers to carry adequate limits of General Liability Insurance. It protects you against third-party claims for bodily injury and related medical costs. As a photographer your job often involves equipment setup that can create a high risk environment for slips and falls. Not to mention in the rush to get that perfect shot you may bump into someone and knock them over, causing them injury.
Business owner insurance This coverage can help protect your equipment. You cant sell your services on an iphone camera, you need to protect your extremely valuable Photographic equipment.
Hired/Non-owned Automobile Liability If you use your own automobile, have employees, or frequently rent automobiles when you travel, this coverage is extremely important. Many photographers choose to insure their automobiles under a personal insurance policy to avoid the sometimes high expense of commercial automobile coverage. This approach can pose problems. If you get into an accident on your way to an event, there could have serious financial repercussions for you and your business.
Camera Insurance Covering your valuable cameras, lenses, flashes, stands, and other related gear often composes the bulk of your insurance policy costs. each piece by itself can cost upwards of thousands dollars, so you need to make sure theyre covered correctly.
Workers Compensation and Employers Liability If you have employees or assistants working with you in your studio or out in the field you need to make sure you have the proper coverage in case they get hurt. Your employees have a right to paid medical treatment if they are injured, and the employer is liable for payment of medical and wage benefits arising from the injury. The coverage is affordable and makes the studio employee more willing to work.
What Kind of Insurance Does a Photographer Need?
If you are running a photography business, you have to protect the company with the right insurance option. Depending on the area, a photographer’s insurance may cover quite a few aspects. However, it will be a combination of professional liability insurance and business owner insurance in most cases.
You can use these policies if you come across issues like a faulty media storage device or a dissatisfied client. Poor execution of the task and the inability to fulfill the requirements are also covered under a photographer’s insurance.
Long story short, a photographer’s insurance package should protect them from various issues, including those where the photographer does not have control. For instance, if you have to cancel a shoot because of the weather condition, you can use some kind of assurance, correct?