The photography business has grown exponentially over the past few decades as events evolve and become more extravagant. As technology changes, so does the very nature of professional photography. Although it might seem like a relatively simple job with low risks, photo shoots and event photography come with a risk of bodily injury, property damage, or worse. Even the most seasoned photographers encounter incidents that leave them at fault. Because of this, it is always best to practice risk management.
But what could be one of the simplest ways a photographer can practice risk management? Obtaining business insurance coverage through a trusted insurance company is certainly a good start. Small Business Liability helps reduce the stress professional photographers face on the job by offering the best specialized insurance rates in the industry.
General Liability for Photography Businesses
Professional photography in and of itself is not overtly dangerous, which makes it seem like obtaining liability insurance for a small business or freelance position is uncalled for. However, even the healthiest people in the world will invest in health insurance on the off chance they become ill. An insurance policy for a photography studio says that you are looking out for your clients while you give them cherishable memories caught in celluloid.
Photographers insurance is a type of general liability insurance (also known as errors and omissions insurance) which covers third parties or clients in the event that an accident occurs and your company is found at fault for it.
Examples of covered incidents might include:
- The response to a data breach, should your studio include digital photography and/or an online payment database
- Unsecured or faulty photography equipment or sets causes an accident and a customer sustains bodily injury, such as a concussion
- Legal defense expenses accumulated throughout a civil case
- General liability coverage for small accidents that leave behind significant damages
- Payments that keep your business afloat when you experience a liability-related business interruption
Even if you are the most careful business owner and your professional liability insurance never gets used for its intended reasons, there are still benefits to obtaining photography business insurance through Small Business Liability.
- Your photography business gains a competitive edge when it offers business insurance
- No substantial income loss if an accident does occur
- No loss of valuable assets if found liable for an accident
- No need to navigate obtuse local and state laws – Small Business Liability does it for you
- No worries about accidents that might occur while shooting on or near commercial property, because property coverage is part of your specialized photographer’s insurance
- Peace of mind if an accident occurs at your studio or while you are shooting
Why Choose Small Business Liability for Your Insurance Needs?
In any case, it’s always better to get specific when it comes to finding or revising an insurance policy for your business. Our company has hand-tailored insurance plans for photographers. When you choose one of them, you make sure that your company is getting the best coverage for the lowest rate.
We make it a point to understand and empathize with the concerns of our small business owners – especially photographers. So if you’re in the need for greater protection at rates you can afford, get started with a free quote or speak to one of our insurance agencies about your liability coverage today!