If a photographer misplaces a memory card or fails to meet customer expectations, a client might sue. Photographer insurance can pay for legal costs and protect valuable camera equipment.
These policies cover common risks faced by freelance photographers and photography businesses.
This policy covers basic photography risks, such as customer property damage and injuries. Bundle with property insurance in a business owner’s policy to save.
A BOP is a cost-effective insurance policy for photographers that bundles property insurance and general liability insurance together in one plan.
This policy is also called errors and omissions insurance (E&O). It covers legal expenses if a client sues a photographer over the quality of their work or failure to appear at an event.
Workers’ compensation is required in almost every state for photography businesses that have employees. It can cover medical costs and lost wages for work-related injuries.
If a photographer loses a memory card containing wedding photos or damages a client’s property, it could result in a lawsuit. Photographer insurance can help pay your legal fees. Plus, a photographer may have to present a certificate of insurance to satisfy a client contract or commercial lease.
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