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Buying photographers or videographers insurance can be a daunting task. You may not know how much coverage to purchase, what types of insurance to buy, or what to look for in a policy.
Full Frame Insurance can help you customize a plan that gives you the best protection for the price. Before purchasing photography or videography insurance, ask the following questions:
1 - What types of insurance do I need to operate my photography or videography business?
All photographers should carry a general liability policy for the length of time they will be operating. That is, if you are only covering a short event, a short-term liability policy might be ideal. If you conduct several photography or videography sessions throughout the year, an annual policy would be the most cost-effective policy to buy.
If you want to cover your equipment, you should purchase additional equipment insurance that will cover the cost of the equipment should it become lost or damaged.
Plus, if you utilize a drone as part of your photography business, you will want to carry optional drone insurance as well.
2 - What are my exposures or risks as a photographer or videographer?
You might be thinking to yourself that you are careful person and are never negligent, therefore you do not need to protect yourself against a lawsuit, because, hey, that will never happen, right?
What you can’t count on, though, is the behavior of other people, adverse weather events, or unintentional accidents happening.
To assess how much liability insurance you should carry, consider the following:
- If I lost my source of income from my photography or videography business due to an adverse weather event, how much would I need to cover my bills?
- If I end up in court, can I pay my legal expenses to defend myself, even if I am not at fault?
- If I am found to be at fault, could I cover the expenses arising from a bodily injury claim, libel claim, or property damage claim?
- Do I travel to multiple places and will I need inland marine coverage while my equipment is being transported?
3 - How much would it cost to replace my equipment?
Next, assess how much equipment you have and how much it would cost you to replace that equipment. Don’t just consider how much it cost to buy the equipment initially. Adjust for inflation.
You should routinely do an inventory of your equipment and camera gear. If you have bought new equipment but haven’t upgraded your policy, now might be the best time to do so.
If you have a drone which you use for your photography business, it would be a good idea to add drone insurance to your policy.
4 - Do I need additional benefits for my family?
If you are employed, your employer may provide benefits to you. If you are self-employed, you may need to purchase coverages for yourself. Call our representatives at Full Frame Insurance at 888-568-0548 for help on finding a full suite of insurance options, including life, disability, dental, legal insurance, and so much more!
5 - Can I purchase my policy online, download my documents, and easily add additional insureds?
It’s worth taking a look at how your insurance company operates. Sometimes you need insurance or proof of insurance documents after business hours. Can you quickly go online and purchase a policy with no hassle? Are your documents accessible even when the company isn’t open?
Full Frame Insurance is an online, no-hassle insurance agency which allows you to access and download your proof of insurance documents 24/7 and add an additional insured at any time.
6- Is it easy to file a claim? What do I have to do?
To file a claim with Full Frame Insurance, simply contact us at email@example.com or call us at 888-568-0548.
Send us the following information: Date of loss, description of loss, names and phone numbers of persons to be contacted. Don’t wait to file your claim. Do it as soon as possible.