If you’ve been in the photography business for any length of time, you know that some clients prefer studio photo shoots while others will ask you to travel to a location for outdoor shots. This is extremely common, and most photographers move between the office and various shoot locations without a second thought.
But, what some photographers don’t realize is that without the proper insurance, events that take place off the business premises could lead to disaster. Let’s take a look at two situations that might not be covered by a typical insurance policy.
Someone Accidentally Breaks a Lens
Let’s assume that you’re on location at a local park taking portraits of an engaged couple. As you’re working, let’s also assume that an errant baseball from a nearby game sails through the sky, hitting your second lens as it sits in your open camera bag and shattering the front element of the lens.
In this situation, without the appropriate off-premises insurance plan for your gear, you might just be out of luck. And, as we all know, good glass is expensive, so fixing the lens or buying a replacement could set you back hundreds, if not thousands of dollars.
If this kind of an accident seems unlikely to occur, just think about the other types of accidents that could easily result in damage to your gear. You might trip and fall, landing on your camera and causing damage. You might get into a car accident on the way to or from the shoot location, resulting in damage to your camera, lenses, or other gear.
The solution? A photographic equipment off-premises policy. Accidents away from the studio are covered, up to $5,000 per item and $25,000 per occurrence. Even accidents that damage several pieces of your kit won’t be catastrophic to your business. That’s peace of mind any photographer will enjoy!
You’re On Location and Accidentally Hurt Someone
Another scenario that some photographers neglect to think about is shooting on location and accidentally causing their clients or a bystander some sort of harm. Someone might trip over a light stand or a cable. You might misstep and cause someone to fall down, injuring themselves. Likewise, if you use equipment like a drone, it could malfunction and drop from the sky, resulting in injuries to someone that didn’t have time to get out of the way.
Again, these types of accidents might seem far-fetched, but why roll the dice and go without the appropriate insurance coverage? In this case, a miscellaneous professional liability policy protects you from legal obligations should your negligent actions result in harm to another person. What’s more, a policy like this covers a wide range of events, from missing a photo shoot because of a calendar error to not being able to deliver a client’s images due to a memory card malfunction.
Get Coverage You Can Count On
No matter what your needs, National Photographer’s Insurance can help you get the proper coverage so you’re protected from eventualities like those described above. If you need business personal property coverage to protect against stolen camera gear, they’ve got it. If you’re worried that an accident like a broken pipe will ruin your vital business documents, they’ve got a policy for that too. There’s something for just about every need, so your mind can be at ease and you can focus on growing your business.
There are lots of insurers out there, to be sure, but we recommend National Photographer’s Insurance because, as their name states, they work with photographers and for photographers, so they understand the unique needs and challenges you face. They offer flexible plans that can change with your changing situation. For example, if you need to expand coverage during peak wedding season, you can do that, then return to your normal coverage once things calm down. National Photographer’s Insurance is licensed in all 50 states as well, so you can rest assured that they can provide you with the insurance options you need to keep your business protected.
Visit National Photographer’s Insurance today to get a quote and see what they have to offer!