2014

Professional Liability Insurance for Photographers
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Professional Liability Insurance for Photographers

You’re well aware that your job is to give your clients frame-worthy images that meet or exceed their expectations. You’ve got the knowledge, talent and skills to deliver on that promise, but sometimes, due to circumstances beyond your control, you still may miss the mark. Some clients may not be satisfied with an offer to try the shoot again, and in those cases, you could find yourself facing a professional liability lawsuit and a hard hit to your professional reputation.

For example, you’re hired to photograph a wedding, but you get in a car accident on the way there and miss the ceremony. Left with no professional shots of one of the most important moments of their lives, the disappointed couple thinks you should have had a back-up plan and decides to sue you for damages. Photographers professional liability insurance, also known as errors and omissions or E&O insurance, protects photography professionals from the financial ramifications of such lawsuits by paying for your legal defense, as well as any judgments or settlements you may be obligated to pay, up to the limits of your policy.

What Professional Liability Insurance Covers

While coverage varies by policy and carrier, photography professional liability insurance policies can provide coverage for a wide range of concerns, including:

  • Reshoot expenses arising from unexpected events such as scheduling errors or lost or damaged film
  • Expenses due to legal defense and court costs
  • Attorney fees and other legal expenses

Please note that photography professional liability policies typically provide coverage on a claims-made basis. This means that for a claim to be covered, the incident in question must have occurred while the policy was in force, and the claim must also be reported to the carrier while the policy is still active.

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.