Photography Insurance & Videography Insurance

Protect your photography/videography business

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Step 1 of 5 - General Information

General Information

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(ie. We are a 3-store chain of bakery and coffee houses...)

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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.

Get a free photography insurance quote

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Are you protected from all of the risks that your auto body shop faces?

insurance risk consultation insurancehub

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:

Property exposure

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.

Crime exposures

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.

Automobile exposures

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:

minimum insurance coverages for a small business insurancehub

Business Owners policy
Business Personal Property
Employee Dishonesty
Accounts Receivable
Money and Securities
Commercial Articles Floater
Computers
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:

Building
Business Income with Extra Expense
Computer Fraud
Forgery
Money and Securities
Special Floater
Employment Practices Liability
Business Auto Liability and Physical Damage
Cyber Liability
Bailees
Customers Floater
Stop Gap Liability

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