Here are some of the top reasons photographers are sued:
- Poor quality photographs and videos
- Lack of photos and shoots for special moments
- Late delivery or non-delivery of photos
- Showing up late or not at all
- Canceling at the last minute so the client can't get someone to replace them
- Unauthorized used of your photographs
- Refusing to photograph a LGBTQ wedding
In recent years, lawsuits for hundreds of thousands of dollars have been filed against photographers and videographers just like you.
Types of exposure that photography insurance can protect you from:
Property exposures: If you have a photography studio, then you face the risks associated with fire, smoke, and water damage to expensive photography equipment, cameras, lenses, computers, and editing software. Thieves know how expensive some of your equipment is, so be sure to install a security system.
Crime exposure: Do yourself a favor and check the backgrounds of all future employees. Your biggest concerns may come from employee dishonesty and theft.
Inland marine exposures: If you transport cameras, lenses, lighting, video cameras, etc. back and forth to your clients' homes and businesses, then talk to your agent right away. You face liability from theft and damage. Other potential exposures include your laptop computer, tablets, and any accounts receivable.
Premises liability exposures: Do you have clients that come to your studio? Accidents happen and a client can slip and trip over any of your photo equipment.
Environmental liability exposure: Do you develop your own prints? Make sure you dispose of your dark room developing chemicals according to the EPA regulations.
Automobile exposure: Do you drive to shooting locations? Make sure you lock all of your doors to protect your equipment. If you hire employees, ensure they have a clean driving record.
Workers' compensation exposure: Do you use harsh chemicals to develop your own pictures? You might have a potential for toxic reactions. Be careful not to rush and trip over lighting extension cords. If you photograph pets, be careful not to get bitten.
Here is the minimum recommended photography insurance coverage:
- Business Owners policy
- Business Personal Property
- Employee Dishonesty
- Accounts Receivable
- Money and Securities
- Commercial Articles Floater
- Valuable Papers and Records
- General Liability
- Employee Benefits Liability
- Commercial Umbrella Liability
- Hired and Nonownership Auto Liability
- Workers Compensation