Photographers have the unique opportunity to help families preserve precious memories, allow businesses to market themselves more effectively, and capture fleeting moments in history. But operating a photography business comes with its share of commercial risk. Even if you put everything you have into doing a job well, you may encounter issues that open you up to liability. In those situations, it’s important to have proper business insurance in place to protect yourself.
Photography insurance can help safeguard your business in the event of accidents, injuries, theft, and other exposures. We can help you find the right insurance for your photography business by allowing you to shop policies from multiple carriers simultaneously, ensuring you get the coverage you need at a rate you can afford.
Tools and equipment insurance is a type of inland marin insurance that provides coverage if essential and expensive tools get destroyed or stolen. You can add this as a supplement to your insurance policy to typically cover heavy and rare equipment that can be difficult to replace and find.
Commercial general liability typically provides coverage in case an injury or damage takes place on a business' property or while a business is operating. For instance, a customer could slip on the floor of your property, or an employee working at someone's home can slip and cause damage.
Cyber liability insurance provides coverage against financial losses and accompanying liability due to a data breach. Examples can include paying for costs associated with recovering/repairing lost data, recovering computer systems, notifying customers of data breaches, providing legal defense, and regulatory fines.
Employment Practices Liability Insurance typically covers companies from claims by employees alleging such wrongful acts as discrimination, wrongful termination, sexual harassment, and other employment-related issues.
As a photographer, you’ve spent thousands of dollars on your camera and the other devices that are essential to being able to perform your job. Those items are not only expensive but also fragile, and your job necessitates their frequent transport to busy and sometimes chaotic environments.
Equipment insurance provides financial assistance in the event that your photography equipment becomes unusable due to covered instances loss, damage, breakdown, or theft. This can apply whether covered items are in storage, in transit, or in use.
Covered equipment can include:
Outside of having policies in place for your equipment, a comprehensive insurance plan for photographers should include coverages that protect your other property, your professional operations, and your clients. Those may include the following:
To ensure you get insurance coverage that will properly secure your photography business, it’s important to work with a qualified provider that will take the time to accurately assess your needs and address your questions. Fill out our quote request form today, and our service team will get you started with a free consultation so we can help you find that provider. We’ll make it a snap to get great photography insurance at a great price.
Something many businesses don't know is that commercial insurance carriers have preferences for which types of businesses they insure.
The problem for most business owners is that they don't know which carrier is the best fit for their business, leading to high premiums or declined applications for coverage .
The 321 LaunchPad is connected to the largest network of commercial insurers available anywhere. We match your business with a qualified insurer so you get the right coverage for a fair price.