We offer a variety of insurance coverage types specifically designed for photographers, videographers, and others in the industry.
General Liability Insurance for Photography & Video Services Professionals General Liability Insurance coverage is an excellent way to defend your photography or video services business. In the event that an individual alleges that you or your business destroyed their property or caused them serious injury, General Liability Insurance can protect your business and allow you to continue business operations. This insurance plan pays for all of the costs associated with the litigation of such claims, up to the limits of your policy.
Even with the best risk management strategies, there are aspects of a photo or video shoot that are beyond your control. Clients are aware of this as well, which is why many of them will require that you carry your own General Liability policy.
Not all clients will specify a need for you to carry your own insurance plan, but nevertheless, having your own general liability policy is a wise business decision because protecting the livelihood of your photography or videography business is your first priority.
Professional Liability Insurance/ Errors & Omissions Coverage for Photography & Video Services Professionals The photography and video products you produce for your clients sustain your business. However, even if you feel that your work is the best it can be, that does not guarantee that your clients will be satisfied. If a client feels that you failed in your role as a professional photographer or videographer, they could sue you as a result. Regardless of whether you are at fault, litigation is expensive and takes you away from your business, which is why Professional Liability Insurance is a worthwhile purchase.
Professional Liability Insurance pays for legal costs and may even reimburse you for some of your lost income while you are in court.
The agents from our photography and videography services coverage team can get you started on protecting your business today!
Property Insurance/ Business Owner’s Policy (BOP) for Photography & Video Services Professionals The insureon Business Owner’s Policy (BOP) is an insurance package that can cover you with General Liability Insurance and Property Insurance in one comprehensive and affordable package. For one reasonable premium you are able to insure yourself against a wide range risks that your business could face. This Business Owner’s Policy will compensate you if your equipment is damaged or stolen, if your place of business suffers damages, and if a third party alleges that your business caused them personal harm.
Depending on the nature of your operation, the BOP may be the most appropriate coverage for your business.
Consult with one of our specialists to learn if you qualify for the reduced price BOP package and if it is right for you.
- Always take the proper precautions with equipment.
Transport cameras and equipment in locked cases, and always know their location. After a shoot, back up all of your work and store the duplicates in a separate location away from your editing studio. Schedule additional insurance for expensive equipment, if necessary. Also, make sure with your agent that your policy will cover your equipment while it is on location.
- Know where you are working and take measures to ensure that the environment is safe for people and equipment.
Stay aware of your surroundings and the people around you to prevent accidents. Reduce the chance of fires by having an electrician check your studio’s wiring to ensure it’s up to code and able to handle the addition of any new lighting or equipment. Be sure to secure the electrical cords to prevent accidental trips and falls.
- Have clarity about your client’s expectations before you start filming.
Give your clients written explanations about the outcomes before starting a job. This will protect you against potential professional liability losses and ensure your business profits from the assignment.