Insurance For Photographers
Photographers can face more risk of claims and lawsuits from clients than they may think. From a client accusing a photographer of losing their photos prior to delivery, to claims of accidentally injuring someone while photographing an event, there are various potential risks that can adversely affect a photographer’s business. Business insurance for photographers is an important tool to help stay protected. We are able to help photographers to protect themselves against claims with insurance for photographers such as professional liability and general liability insurance in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington and Wisconsin.
Professional Liability Insurance
If a photographer accidentally loses the photographs that they take for a client prior to delivering the photos to a client, a lawsuit or claim against the photographer may be filed. Claims may also arise from a client claiming that the photographer did not take the photographs that they were supposed to, such as a wedding where important attendees are accidentally left out of the photographs taken by the photographer. Professional liability insurance, also known as errors and omissions or E&O for short, can help to protect photographers if they are sued by a client for negligence or mistakes.
General Liability Insurance
General liability insurance is meant to protect photographers against claims of accidental property damage and or bodily injury to others. For instance, a photographer is taking pictures at an event for a client and an attendee of the event claims that the photographer bumped into them while photographing, knocking the person over and causing them to become injured.
Business Property and Equipment Insurance
Business property and equipment insurance can be packaged with general liability insurance as part of a business owners policy in Arizona, California, Colorado, Georgia, New Jersey, Ohio, and Texas. Coverage may include cameras and related equipment, electronics such as laptops, and more.