Photography Insurance

WHAT PHOTOGRAPHY INSURANCE COVERAGE DO PHOTOGRAPHERS NEED?

• General Liability Limit: $2,000,000 Per Occurrence

  Commercial General Liability protects your business from financial loss that may occur as a result of third-party bodily injury or third-party property damage. Our robust General Liability limits can satisfy a large majority of vendor requirements and help ensure you're adequately covered in the event of a devastating loss.

• Inland Marine Owned & Rented Camera Equipment

  Worldwide protection for your cameras, lenses, lighting and other miscellaneous gear. Equipment is insured on Replacement Value. Adding/Removing equipment is possible at any point throughout the policy term.

• Short Term Rented Camera Equipment Limit: Refer to Quick Quote/Proposal

  TCP understands the challenges that are inherent to the Photo Industry. Insurance needs can fluctuate depending on the size, scale, and scope of your shoot. Our Photography Insurance plan offers the ability to temporarily increase your policy limits in order to comply with vendor insurance requirements.

• Computer Hardware/Software Limit: $25,000 On-Premises/$10,000 Off-Premises

  Laptops, hard drives, monitors, desktop computers and more. Coverage also includes recovery of electronic data if you happen to drop and damage a hard drive.

• Rental Expense Reimbursement Limit: 15% of Owned Equipment Coverage

  This coverage responds if a photographer’s owned camera equipment suffers a loss, such as damage, theft, fire or any other covered cause of loss. While the claim is being processed, the insurance company can reimburse you for the rental expenses incurred up to 15% of your owned equipment limit. The show must go on and this policy enhancement can help ensure you can do just that, while minimizing your financial loss in the process.

• Office Contents - Business Personal Property Limit: $3,000 - Higher Limits Available

  This photo coverage is intended for damage or theft to desks, chairs, tables, cabinets, phones, office supplies, etc. at your premises location. A relatively low risk coverage compared to camera equipment, but it is a good coverage to maintain while running a business out of a studio or home office.

• Photographer’s Errors and Omissions Limit: $1,000,000

  Legal protection against lawsuits arising out of copyright infringement, trademark, trade name, title, slogan, false advertising, idea misappropriation, invasion of privacy/publicity right, or defamation arising out of photographic/digital visual imagery services. We offer several different types of E&O policies to help ensure your unique exposures are properly accounted for.

• Workers’ Compensation Limit: $1,000,000

  Coverage against claims resulting from a work-related injury sustained by an “employee” of your company. Please refer to your state’s labor guidelines for the legal interpretation of an “employee.”

• Cyber Liability for Photo Website Limit: $25,000 to $1,000,000

  A website is an essential tool for any business, especially for a photographer. Companies are constantly being targeted by cyber criminals and these levels of cyber attacks are rising consistently each year. We strongly suggest speaking with an agent and explore ways to incorporate this line of coverage into your insurance plan.

• Hired & Non-Owned Auto Liability Limit: $1,000,000

  Rented Autos are a function of most photography shoots that place throughout the country. Whether it’s a grip truck or sprinter van, business owners may need to carry Hired & Non-Owned Auto Liability. Not only does it help protect your business from financial loss that may occur as a result of third-party injury and/or third-party vehicle damage, it can help ensure you’ve satisfied the insurance requirements enforced by the car rental company. Additionally, you may be required to carry Hired Auto Physical Damage. This covers the rented auto for damage or theft that might occur. Please contact one of our agents for more details.

• Photo | ProPAK (DICE) Limit: Based on Average/Maximum Cost per Shoot – Higher Limits Available Upon Request

  The “ProPAK” can be an essential component to a Commercial Photography insurance plan. It includes a bundle of tailored coverages that effectively fill the gaps that would otherwise exist in a generic business insurance policy, while expanding the scope of protection to further mitigate losses that are unique to a photo shoot.

  • Third Party Property Damage – $1,000,000
  • Hired & Non-Owned Auto Physical Damage – $125,000
  • Re-Shoot Expense – $15,000
  • Extra Expense – $15,000
  • Props, Sets & Wardrobe – $25,000