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Do I Need Photographer Insurance?

Starting a photography business is a new and exciting venture. However, running a business isn’t easy and there’s a lot of work to do. From marketing your business to branding your materials, you have a lot going on during the initial phases and are likely booking clients in the process.

One thing that may cross your mind during the start-up phase is photography insurance and whether or not you need it for your business. It’s a great asset to protect your business from potential third-party liability claims. To learn more about the benefits of photographer insurance, keep reading.

Photographer Insurance May Help With Lawsuits

According to the American Bar Association (ABA), an attorney can charge anywhere between $343–$727 per hour. Photographer liability insurance can protect your business from the financial hiccup and may cover you from attorney fees for covered claims. As a professional photographer, you interact with people during every session and work hard to make sure every shoot goes smoothly. Unfortunately, one incident could lead to legal action against you and you will need the proper protection.

Here are some litigation costs you could be required to pay out of pocket:

  • Court filing and processing fees
  • Litigation expenses
  • Damages to the plaintiff
  • Hiring experts in the industry
  • If out of state, travel expenses for yourself and legal team

With a costly legal battle and a mountain of bills with your name on them, the costs of a lawsuit could potentially shut down your business operations for good. With the help of photographer insurance, you may be able to offset the legal costs and focus on your business. Don’t get caught in a bind without coverage.

Photographer Insurance May Help With Medical Bills

We hope every photography session goes well with your clients. However, our reality is that accidents can and do happen.

For example, you might ask your client to pose a certain way for a photo and they could trip over themselves resulting in them breaking their ankle on the scene. They’ll probably want you to pay for their medical bills because your direction caused the incident. Without photographer insurance, you could be paying the entire medical expense out of pocket.

No matter how careful you are, there is an ever-present risk of a client sustaining an injury and asking for financial compensation for their medical bills. If a client does sustain an injury, photographer insurance may give you and your client financial peace of mind.

Photographer Builds Credibility

When you invest in your business, it pegs you as a true professional and gives your clients the impression that you are willing to invest your time in them. With photographer insurance coverage, you let people know that you are here to stay in the industry and aren’t going to close your doors after just a few weeks. Furthermore, photography liability insurance may help you market to new clients and give you a competitive edge.

More reasons our customers purchase photographer insurance:

  • The venue required it
  • The client required it
  • The studio required it

Helpful Links

  1. Understanding Photography Liability Insurance
  2. Photography Insurance Guide: What You Should Know
  3. Don’t Ge Caught Without It: 4 Reasons You Need Camera Insurance

Photography Insurance starting at $59

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Cyber Liability

Cyber liability insurance protects your business from the cost of first- and third-party claims that arise from a cyber security breach within your business. Cyber crime has become a common threat for businesses both big and small. If you collect or store business information online on a computer, tablet, or mobile device, we highly suggest including this additional protection to your policy.

Professional Liability

Professional liability insurance can protect your business from the cost negligence claims that arise from professional errors and omissions, like giving bad instruction or failing to provide necessary information on a subject. If you teach classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

Additional Insureds

When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

General Liability

General liability insurance can protect your business from the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves. It also protects against the cost of copyright infringement claims, personal and advertising injury claims, and more.

Damage To Rented Premises

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, like a studio or event booth. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. Full Frame provides unlimited additional insureds for just $30.

Camera Equipment Coverage

Also known as inland marine insurance, camera equipment coverage can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on a job and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.