As a photographer, your day-to-day work is unique. One day you can be in a studio with your own unique lighting and props, and be wandering around the outdoors the next. On these adventurous photo shoots, you have to haul around your best equipment, which we’re sure has a large price tag.
Before you set off on your next shoot, consider the following:
1. Make Sure You’re Covered From All Angles
Something you may not have thought of is that when you are on a photo shoot and you are giving your clients directions, you are responsible and liable for the instructions you provide them.
For example, let’s say that you’re walking along a rocky trail and you come across an enormous boulder that would make the perfect place to position your subjects on. You tell them to take their position on top of the rock and as they climb up the rock, one of them slips off and breaks their ankle.
Because you gave the directions to climb the rock, you may be held liable for any medical bills and damages that person incurs. You can even be found responsible by a court of law for the loss or damages your clients endured. If you don’t have liability insurance coverage, you may be required to pay for all of the expenses out of your own pocket.
2. More Than Just a Camera
Say you’re taking shots in a rocky area off a trail. What were to happen if you slipped and the camera hanging from the strap around your neck broke your fall? That’s not just a camera, that’s your livelihood.
If you have camera equipment insurance, you file a claim and the insurer assists with the expenses. If you don’t have insurance, then you either have to go out and buy all new equipment, which you may only be able to do if you have large enough savings. You might have to go into debt to buy a new one. Without being able to replace your gear, you’re out of work and would need to cancel your shoots. That’s lost revenue and lost trust from your clients.
3. What Happens When a Client is Injured?
If a client gets injured and requires a hospital stay, Full Frame Insurance can pay up to $5,000 of the medical expenses. So if your client’s medical bills are only $3,000 and that’s all paid for, they may be satisfied and decide not to take any legal action.
However, if your client is seriously injured and takes you to court then your general liability coverage may pay for your legal fees plus any other medical fees and damages that you are found liable for.
4. Renting a Studio
There’s nothing like shooting in a great studio. You can control the lighting, backdrops, colors, etc. However, if you, a member of your team, or even your model damages the studio or its contents, the damage to the premises rented to you coverage in your insurance policy from Full Frame can help.
You can get general liability coverage and camera equipment insurance from different insurance companies but purchasing these policies from the same place is more convenient and makes more sense fiscally. In some instances, buying both of these policies together from Full Frame Insurance is cheaper than buying camera equipment coverage alone from other companies.
To learn more about our camera equipment and general liability insurance policies, Click Here
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage