Professional Liability Insurance for Photographers

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As a professional photographer, it is your job to capture a moment in time so that it can be cherished forever. The competition is fierce these days, but you are a professional and love what you do. It is an exciting experience to capture these moments and see your clients’ happiness when you deliver the final product. Unfortunately, this can also cause you to have some unique risks associated with your profession. Purchasing Professional Liability insurance for photographers will help you sleep at night and reduce the chance of being sued for these associated risks. CoverWallet can help you decide if this is the right insurance policy for you and your photography business.

Why Do Photographers Need Professional Liability Insurance?

Because you are working in a specialized field, there are some skills that you have that others may not. Since you have these skills, clients come to you expecting great results. What happens if a client is not happy with the final product? While this may not happen a lot, it is possible, and sometimes you can't make them happy even if you take all new pictures. There is always a potential to be sued. If you complete a session and promise to have the photos delivered by a specific day and your memory card fails causing you to lose all the images, the client could sue you for failure to provide the final product. What if you are having a shoot for a business and a model is injured? Or you forget to take a particular pose or shoot in a specific spot? These are just a few of the many risks that photographers face.

Who Can Be Covered By Professional Liability Insurance for Photographers?

Any professional who specializes in taking photos can be covered by Professional Liability insurance for photographers. This can include wedding and special event photographers, photojournalists, corporate photographers, and even videographers. If you have a camera and you are paid for your services, you need a Professional Liability insurance policy.

What Does Professional Liability Insurance for Photographers Cover?

Professional Liability insurance for photographers is an Errors and Omissions insurance type policy that will cover the following:

Negligence: Otherwise known as carelessness, this can be a potential risk for any photographer. If you forget to do something the client requests, and they sue you, the policy should provide coverage.
Defense Costs: Even if you go to court and win, you will have to pay court costs and attorney fees. The Professional Liability insurance policy will pay for these.
Reshoot Costs: If your memory card dies, you miss the shoot for an emergency, or your camera gets broken, and the client still expects you to do the shoot, the policy will cover any reshoot expenses.
It is important to note that Drone Liability insurance is excluded from most General Liability and Professional Liability insurance policies, and will need its own policy. CoverWallet can help you obtain this special policy as well.

How Much Does Professional Liability Insurance for Photographers Cost?

While many insurance companies offer Professional Liability insurance for photographers, the average cost is usually around $500 annually. Of course, if you have employees, or have had prior claims, the price could be higher. Other factors to take into consideration when determining costs is annual revenue and coverage limits selected. Bundling all of your business insurance needs is always the best option to help lower these costs. CoverWallet works with several insurance companies and can help find you the best coverage for the best price and get you your Certificate of Insurance in minutes.

Frequently Asked Questions About Professional Liability Insurance for Photographers

What other types of insurance should every photographer have? Every business should carry General Liability insurance to cover the bodily injury and property damage of a third party. The best policy would be a Business Owner's Policy because that will include both General Liability coverage and Property insurance if you have business personal property to cover, or own or rent commercial space. If you use a vehicle for your business, you will need a Commercial Auto insurance policy. If you have employees, you will need Workers Compensation depending on your state law. Last, you should have an Inland Marine insurance policy to cover your camera, especially on the way, which is what you depend on most for your business.
Won't General Liability insurance cover my mistakes? No, General Liability insurance is for bodily injury and business property damage only.
What is the difference between General and Professional Liability? For example, if you are shooting a wedding or event and damage something at the venue, General Liability insurance will cover that. However, if your photos are lost or damaged and you cannot deliver the product, Professional Liability insurance will cover the claim. CoverWallet's team of educated advisors is standing by to offer you a no-obligation quote today for all of your insurance needs.