Do you need insurance as a photographer?
Liability insurance for photographers covers damages due to alleged failure to provide contracted services or providing them incorrectly. Additionally, if you own a significant amount of camera and lighting equipment, and work on someone else’s property you should consider general liability insurance. For more information on photography insurance browse the claim examples in the below accordions.
To make a successful career out of photography, you may need reliable professional liability insurance coverage, sometimes called errors and omissions insurance (E&O insurance). Liability insurance for photographers covers claims against your businesses for providing professional and personal services.
When is it important to have professional liability insurance as a photographer?
Faulty memory card: You have been contracted to photograph an event, and your memory card fails causing you to lose all your photographs. You are devastated, and your client makes a claim against you for failure to deliver the photographs, as promised. Professional liability insurance could protect you and your business against claims of negligence even if you haven’t made a mistake and the loss was caused by an unavoidable technical glitch. Memory cards are important to photographers, but they don’t always work perfectly. See how Dorsal Insurance can help you protect yourself by requesting an insurance quote.
Dissatisfied client: You are hired to photograph a wedding, but you forget to take pictures of key family members. You did your best, but there were hundreds of people who requested to be in photographs and you missed a couple of them. Your client may make a claim against you for negligence regarding the failure to fully deliver the agreed upon photography services. Dorsal Insurance professional liability insurance (errors and omissions insurance) may protect you if such a claim is made.
As all photographers know, some clients are easier to work with than others. Fortunately, Dorsal Insurance has created a smarter and more convenient way for photographers to get the right coverage at the right price.
Oftentimes, it’s not enough to only have professional liability insurance in the photography industry. General liability insurance, for photographers, could protect your business from another person or business’s claims of bodily injury, associated medical costs, and/ or damage to property.
Having this kind of coverage is beneficial to photographers in instances like these:
Bodily injury: As a photographer, your job often involves equipment setup that can create a high-risk environment for slips and falls. What would happen if a client that you are working for tripped over a piece of high-cost equipment that you have set out for a photo shoot? General liability insurance could protect you against third-party claims for bodily injury and related medical costs for situations like this.
Defamation and libel: You were hired to photograph a charity event which featured an appearance by a high-profile celebrity couple. Since it was a big job, you hired an assistant to help out. During the event, the celebrity couple got into an argument, which your assistant overheard. The next day, reports of the argument appeared in the tabloids. The couple blamed your assistant and filed a lawsuit against your business. A general liability policy, from Dorsal Insurance, may be able to pay your defense costs as well as any settlement or judgement.
Property damage: You are in a client’s home to photograph a couple’s engagement photos. You are working with an assistant to help with the photography equipment. Your assistant knocks over and breaks an expensive antique vase, which costs thousands of dollars. At Dorsal Insurance, we may be able to cover the cost to replace the vase, up to the limits of your liability policy.
If you’re looking to reduce your insurance premiums, Dorsal Insurance can help.
Getting a Dorsal Insurance quote is easy! Learn more about general liability insurance costs to make a smart and forward-thinking decision for your photography business.