2014

General Liability Insurance for Photographers
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General Liability and Property Insurance for Photography Businesses

Should a photo subject trip on an electrical cord or prop in your studio, or if a passerby should be injured on-location during a shoot, your photography business could be at risk of a bodily injury lawsuit. General liability insurance protects you against high legal costs arising from these and many other scenarios in which others may sustain injuries during the course of your work or while visiting your studio or offices. General liability insurance also covers lawsuits related to damage of other people's property.

A typical photography business houses costly equipment, including cameras, lighting and props, as well as business-related items such as computers and furnishings. Because even small photography businesses can own thousands of dollars in equipment, and both theft and fire risk are high in this business, property insurance is also a must.

To help keep photographers' costs low, Business Insurance Now offers a cost-effective Business Owner's Policy (or BOP) for photographers that combines general liability protection with property coverage for one affordable premium. A BOP covers your general liability risks while protecting your business property against loss, theft or damage, whether it's at your own office or at another location. Others' property in your care, custody or control is generally also covered as if it were your own.

What Business Owner's Policies Cover

While coverage varies by policy and carrier, a photography Business Owner's Policy and its optional endorsements can provide coverage for a wide range of concerns, including::

  • Liability coverage throughout the United States and worldwide
  • Scheduled property option for delicate camera equipment
  • Spoilage of film or photographic paper
  • Electronic data processing protection for your computer and editing software equipment
  • Passport Access® coverage to protect your equipment from damage or confiscation during your travels
  • Optional endorsements and higher coverage limits are available to meet your photography business's needs

Contact Business Insurance Now for a Free Risk Assessment

Many photographers need help selecting the right professional liability policy and coverage level to address all of their business risks. Contact the photography insurance experts at Business Insurance Now for a free risk assessment to help you select the right professional liability coverage for your photography business.

Get a FREE professional liability insurance quote now!

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Professional Liability Insurance Tips

  • E&O policies are generally provided on a"claims-made" basis. This means that to be covered, a claim must meet three criteria: the alleged error or omission must be covered by the policy, it must have happened while the policy was in force, and the claim must be made while the policy is still active. In other words, to be covered for work during a specific project, you must continue your coverage long after that project is complete.
  • E&O insurance won't cover you if you're sued for something like stealing a client's customer away. For these and other non-covered scenarios, many architects have contracts that outline conflict-resolution procedures and define each party's rights.
  • The chance of getting sued often has less to do with the quality of your work than with your clients' temperament and expectations. If your client relationship goes sour for any reason, you could be accused of negligence even if you didn't make any mistakes. That's why it's so important to carry professional liability insurance, even if you've never been sued.