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Coverages & Pricing
*Not available in all states. Click here to see a list of states that are eligible for coverage.
Annual Policy
For small photography or videography business owners, freelancers, or hobbyists who have multiple photography sessions throughout the year.
Annual Policy Limits of Liability
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person's right of privacy
- The use of another's advertising idea in your advertisement
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
Pricing
An individual can purchase one additional insured for $15, and $30 for an unlimited number of additional insured's under the annual policy.
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Event Policy
For the hobby or freelance photographer or videographer who needs short-term event liability coverage for 1-3 days.
Event Coverage Limits of Liability
The most your policy will pay in a 3-day period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
The maximum amount your policy will pay in a 3-day period for bodily injury and property damage claims that result from the products you use to perform your services.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person's right of privacy
- The use of another's advertising idea in your advertisement
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.
Pricing (for consecutive days)
Please note that Products and Operations has been specifically excluded from our Event Insurance. If you need products coverage, or you are looking for a more comprehensive options, please consider purchasing our Annual Policy.
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**Please note that these are brief definitions of coverage and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Equipment Insurance
Pricing
Benefits Snapshots
- No Quote Process
- 24/7 Access to Policy Documents
- Proof of Coverage (printable)
- Robust, Quality Coverage Scaled to Your Business
- Convenient Online Purchasing
- Instant Coverage
- No Deductible on Liability Claims
- Not Location Specific
- Peace of Mind
Now available in:
AK, AL, AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MO, MS, MT, NE, NH, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
If you do not see your state listed, please check back. We are adding new states regularly and will soon cover all 50 states
EVENT POLICY
- 1–3 Days Policy Options
- General Liability
(Does not include product liability, property, or equipment insurance)
- Personal and Advertising Injury