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Four Pet Peeves of Photographers and Videographers

There is a lot of work that goes on in a photography or videography job. Your clients sometimes fail to realize the hours of editing that one job entails and how many deadlines you are working with from other clients. For your reading pleasure, we compiled a list of four pet peeves you may face on the job and keep reading to learn about our pet peeve.

Our number one pet peeve has to do with insurance. You guessed it—creatives who don’t use insurance and have to shutter their business when they face an expensive lawsuit. We’ve made the process easy by allowing our customers to sign up 100% online and we offer insurance at an affordable rate because we care about your lifestyle. For an additional premium, you can tailor your camera equipment policy and keep your coverage all in one place. How can it get any better than that?

Photographers and videographers face risks, such as bodily injury and property damage during every session. Don’t leave your business vulnerable and make sure to get insured.

Did we miss your pet peeve? There’s no way we could have gotten all of them. Leave a comment below and let us know!

Author
Picture of Parker Bowring

Parker Bowring

Parker was a Marketing Content Writer for Veracity Insurance Solutions, until September 2023 with extensive knowledge of the business liability insurance space. Parker has a bachelor's degree from Southern Utah University in Communications with an emphasis in Public Relations and Content Writing. Parker had worked as a content writer for the Utah Shakespeare Festival and had several pieces of published work, including for Southern Utah University. Parker enjoys everything writing, and her ideal afternoon would be spent on a beach with a good book.

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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.

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Data Breach (Cyber Liability)
(Optional With Annual Plans Only)

Data breach insurance can cover the cost of claims that arise from a cybersecurity breach. If you collect or store client info or photos online, take payments over the internet, or send sensitive data over email, we highly recommend adding this coverage to your policy.

Failure to Deliver (Professional Liability)
(Optional With Annual Plans Only)

Failure to Deliver, aka professional liability or errors and omissions (E&O), can cover the cost of claims that arise from mistakes, like if your memory card fails and your client’s photos are lost, an unexpected illness prevents you from being able to shoot an event, or you inadvertently give poor or incomplete advice as part of a demo.

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 cover the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves, or you accidentally damage furnishings or flooring at a venue. 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 (Inland Marine)
(Optional With Annual Plans Only)

Also known as inland marine, camera equipment insurance can cover the cost of repairing or replacing damaged or stolen business equipment (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.