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 insurancefor 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.

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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.

Business Insurance

Running a business is challenging enough without having to worry about lawsuits, employee injuries or property damage. Having the right insurance gives you the peace of mind to focus on what matters - running your business.

The coverage you need depends on the type of business you run. A restaurant owner needs to be covered against customers possibly getting food poisoning while an accountant needs to be covered against calculation errors. CoverWallet's intelligent assessment system will identify the insurance you need based on your specific business, get you a policy that fits your budget, and do it all in less time than you think.

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