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Essential coverages to meet client demands
Photographers should be very careful to protect their equipment and photos while they are working. One easy way to mitigate risk is to purchase high quality camera and equipment protective cases for safe transportation. There are also tools photographers can invest in to prevent things like water and sun damage, when appropriate. Additionally, photographers should ensure that any photos they’ve taken at work are securely backed up to prevent loss. Unfortunately, no matter how careful a photographer is with their equipment and work, accidents still happen. That’s why it’s important to purchase a well-rounded mix of insurance policies that protect you, your equipment, and your business no matter what.
As a photographer, Errors & Omissions (E&O) is helpful. It protects you if you make a mistake on a job. Eg. you could schedule a photo shoot for the wrong day, lose a memory card, or forget to take certain agreed-upon shots during an event. If a customer sues, E&O insurance covers re-construction of certain shots to make the customer happy, or covers potential legal costs.
As a photographer dealing with equipment, you risk injuring someone or damaging another’s property while you are working. Someone could trip over a cord or you could accidentally drop a heavy piece of equipment. General Liability covers incidents where a third party suffers damages, paying any associated legal fees, medical costs or property repairs.
Destroyed films, hard drive failure, lost memory card and leaked photos online? Cyber Liability insurance protects your photography business from these events and any other related incidents. The insurance will pay for the legal fees, credit monitoring service, public relations and other fees to help you control the damage and restore your business's credibility.
Commercial Property insurance covers your property, including your studio and equipment that generally is kept inside, like computers and lights. If your equipment is damaged, lost or stolen, or something happens to your studio in a covered situation, Commercial Property insurance pays the cost of replacement or repairs.
If you transport your equipment to locations, Property Insurance won’t cover you completely. Property Insurance typically only covers losses that happen in your primary place of business. For full coverage in transit, you should purchase an Inland Marine insurance to cover your camera equipment while you are on the go, including cover rented equipment.
Photographers must travel a lot. Whether you're driving to a wedding venue or looking for a perfect spot for your models, auto accidents can happen. When it does, make sure to have the right insurance to protect your photography business. Commercial Auto insurance is a type of photographer insurance that will provide liability, collision, medical or injury protection for your business.
Photographers often have a blend of technical and creative skills - they need to know how to operate camera equipment, but they also need to have an artistic eye in order to take captivating photos. A photographer could take many career paths: they could work at a newspaper producing photos to appear alongside news articles, they could work in-house at a company taking photos of their products and marketing campaigns, but many go the independent route and work for a variety of clients, perhaps specializing in one industry or type of photography.
Independent photographers often purchase and store their own equipment, travel for assignments, and deal directly with their customers. As business owners providing a professional service, they face a number of risks that require insurance to ensure their business and assets are protected in any situation.
The most expensive part of starting and maintaining a photography business is probably the equipment. In addition to a pricey camera that can cost thousands of dollars, professional photographers usually need multiple stands and tripods, lenses, film, backup batteries, and more. Expensive gear can easily be ruined if you’re taking photos in the rain, someone knocks something over, or there’s some other type of accident. Expensive camera equipment is also a tempting target for thieves. Camera Insurance is of high importance.
In addition to protecting themselves from costly equipment theft or damage, photographers must also take care to preserve the photos they’ve taken. Many assignments will be “once-in-a-lifetime” experiences, like weddings or important cultural events, meaning lost photos can’t simply be re-shot. A faulty memory card can end up being a pretty big deal. And even if photos are preserved, customers might not always be satisfied with them. If a customer doesn’t feel they received the services promised in your agreement, they could sue.
Just like other small business owners, photographers who work for themselves face numerous risks in the course of doing business, and they need insurance to protect themselves.
Yes. At a minimum a wedding photographer should carry General Liability insurance to protect you from liabilities of lawsuits and other common claims. This will protect your business if you are faced with lawsuits arising from the wedding event.
The cost of having to repair or replace your camera gear will put a huge dent in your pocket. Protect your camera gear with property insurance as a part of a Business Owner's Policy (BOP) or Inland Marine coverage.
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