Photographer Insurance New Jersey
Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Photographer Insurance New Jersey
Photographer Insurance New Jersey. In today's litigious society, no one is safe from lawsuits and claims against them, even photographers. If you are a photographer working in a freelance capacity or operating your own studio, then protecting yourself against claims from dissatisfied customers can be resource consumptive, and in worse-case scenarios, lead to financial ruin. Liability insurance is a must for photographers.
Oftentimes, photographic contracts don't contain specific enough language, so they leave photographers with an elevated level of liability. For instance, in some cases, a bystander has been caught on film unsuspectingly, and then files suit because they did not give the photographer their permission to photograph them or publish their likeness. Some photographers learn about potential liability the difficult way – and usually they find that their lack of knowledge does not hold up in court and provides no legal 'out' for them when it comes to litigation. Photographer insurance New Jersey, however, affords some protection for photographers when it comes to claims and liabilities.
Photographer insurance New Jersey protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Lawsuits in the Photography Industry
Videographers and photographers are professionals who have very specific needs when it comes to insurance. The equipment that they use is expensive and highly specialized. Many face differing legal requirements when it comes to their crafts, and a seasoned insurance agent can help them determine the right levels of coverage for their own unique needs. In 2011, a photography studio in New Jersey was sued by a groom who was unhappy with the photographer's work on his wedding photos. The man sued for more than $50,000, and the photographer was out more than that in legal fees to defend the company in court.
In another case, Jason Lee Parry, a photographer who took a photo deemed suggestive by a teenager's parents was sued by the parents when the photo ended up on a national chain catalog cover. Similarly, a photographer who shot and sold photos of a sculpture without the artist's permission was sued for unspecified damages in 2010. These are just a few examples of scenarios that might lead to a claim against your photography business.
Insurance for Photography Equipment
One good reason for photographers to purchase photographer insurance New Jersey is that they usually own expensive equipment – and replacing it can be quite pricey. A good insurance policy protects this equipment, including lenses, cameras, and storage equipment, while also guarding against financial loss from the interruption of business. Other damages that NJ photographers must consider are weather losses from sudden storms and high winds, damage to equipment from accidents, and theft of equipment.
NJ homeowner's insurance usually affords little or no protection for photographers, even for businesses run from the home. This type of policy does not cover equipment used for income generation unless the homeowner purchases a special rider specifically stating that the items are covered.
If you work from home or from a NJ home office, you may be able to turn to your homeowner’s policy for some types of coverage, but that depends on your policy and its specific limitations. Moreover, if your business is running at a profit, then your homeowner’s coverage may exclude the business from being covered under its terms.
A more reliable type of protection is NJ business insurance that includes the necessary inclusions needed to protect your business completely from liability and financial loss. Discussing your needs with a trusted and seasoned agent can help you find the right solution for insuring your production, your employees, your equipment, and more with film production insurance New Jersey.
Photographer Insurance Considerations
In addition to protection for equipment and potential liabilities, NJ photographers must also consider other types of coverage. This depends on the type of photographer, since the standard liability may not be extensive enough for his or her needs. For instance, if you are a NJ photographer covering extreme sports competitions, then you m ay need more exhaustive coverage than a photographer who shoots weddings and babies.
Photographers rarely earn their living working behind a desk, so you may also have a need for purchasing disability insurance. This type of coverage protects your income stream if you are ill or become severely injured and require a long recuperative period.
Choosing Photographer Insurance
When buying your photographer insurance New Jersey, be sure to shop around, and work with an NJ licensed agent who can access quotes from multiple insurers at once. This ensures that you get the best possible quote for the level of coverage required by your business. Moreover, working with an NJ agent who is adept at helping photo business customers can be a smart move, since the agent will likely understand the nuances involves in your specific niche and the perils and risks that are unique to your trade. This knowledge can be paramount in helping you find the right coverage at the right price that meets your budget while keeping you protected from unforeseen circumstances.
Request a Photographer Insurance New Jersey quote in and all other NJ cities. Also see Photographer Insurance New York, Photographer Insurance Pennsylvania, Photographer Insurance Delaware, Photographer Insurance Kentucky, Photographer Insurance California