Photographers are exposed to a range of potential risks, including both potential property loss and possible liability lawsuit perils. Photography insurance helps protect Massachusetts professionals in this field from some of the risks they face.
Photography insurance is a specialized type of commercial insurance that’s designed to meet the unique insurance needs of professional photographers. Most policies are underwritten as package policies that come with multiple coverages, and photographers can often adjust their policy’s exact coverage lineup according to their particular needs.
Most professional photographers and photo studios based in Massachusetts ought to have photographer insurance in place. This includes both established and aspiring photographers, and it spans all forms of professional photography. From wildlife and landscape shooting to weddings and portraits, anyone who is compensated for taking pictures will likely find that this form of insurance offers valuable protections.
In some cases, photographers who are seeking big-name clients will find that insurance is required. Many major businesses will only work with photographers who have their own insurance in place.
As mentioned, most photographer insurance policies are written as package policies that come with multiple coverages. Some commonly included coverages are:
In addition to these, some photographers may need inland marine coverage, commercial auto coverage or other protections.
Businesses are usually asked to declare all the photographers that need to be insured by the business’ insurance policy. Generally speaking, photographers that are paid employees and those who use company-owned equipment should be declared. Those who are hired as independent contractors and use their own equipment often don’t have to be declared.
There are exceptions to these guidelines, however, that sometimes requires detailed consideration. Businesses should work with an agent who specializes in photographer insurance when answer this (and other) questions so that they provide accurate information. Not answering properly could potentially compromise coverage in the future.
Whether a photographer policy will cover a computer that’s used for both personal and work reasons depends on the terms and conditions of the policy. An agent who’s familiar with these policies can check how a specific policy’s equipment coverage would apply to a given situation.
Photography policies’ premiums are based on several different factors and can vary in price as a result. These policies tend to be affordable, however, and they’re almost certainly more affordable than the possible cost of facing a major disaster or lawsuit with no insurance in place.
For help finding photography insurance, contact the independent insurance agents at Haberman Insurance Group. Our agents have helped many photographers and photo studios in Massachusetts with their insurance needs, and we’re ready to assist you in finding a robust photography policy. Since we’re an independent agency, our agents are free to show you the best available policy option regardless of what insurance company is offering it.
