Photography Insurance & Videography Insurance
Protect your photography/videography business
If you're looking for insurance for your photography and videography business, then you've come to the right place.
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.
What would you do if you were hit with a liability suit for more than your current insurance covered?
The scary part is that many photographers take pictures as a side business without ever getting photography insurance or thinking of the liabilities.
Are you protected from all of the risks that your auto body shop faces?
Here at InsuranceHub, we have experience helping businesses get auto body shop insurance, including:
- Antique and classic automobile restoration
- Automotive body shops
- Automotive interior shops
- Automotive paint shops
- Automotive tops (canvas or plastic), installation, repair, or sales and installation
- Automotive trim shops
- Bump shops
- Collision shops
- Customizing automobiles, trucks or vans: except on a factory basis
- Upholstery repair for vehicles
- Van conversions, except on a factory basis
Types of exposure that photography insurance can protect you from:
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.
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.
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.
Do yourself a favor and check the backgrounds of all future employees. Your biggest concerns may come from employee dishonesty and theft.
Premises liability exposure
Do you have clients that come to your studio? Accidents happen and a client can slip and trip over any of your photo equipment.
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.
Environmental impairment exposures
Do you develop your own prints? Make sure you dispose of your dark room developing chemicals according to the EPA regulations.
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
Other videography & photography insurance coverage to consider: