Our event and commercial photographer insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to photographer insurance claims, such as:
Damage to someone’s property
While photographing designer jewelry, you drop a necklace and break its glass pendant. The general liability
coverage in your insurance package would help pay for a replacement.
Accidents that hurt someone
A piece of lighting equipment falls over and injures a client. Your general photographer liability insurance coverage
would also come into play here by helping to pay for medical costs and legal fees.
You trip over a rock during an outdoor photo shoot and injure your knee. You have to cancel the shoot while you recover. Workers’ compensation insurance
with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.
Injuries and damage involving your business vehicles
You get caught in a rain storm on the way to a shoot and slide into a tree, crushing the bumper and hood. Commercial auto insurance
will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.
Damage to your own property
Thieves break into your studio overnight and steal expensive photography equipment. Commercial property insurance
can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.