Photographer Insurance Policy Information
Photographer Insurance. 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.
Photographers take still and video pictures for clients, either at their own studios or off premises at the customer's home or business, or at a third party site such as a hall rented for a wedding reception or school event. Some photographers specialize in a single field, such as advertising, aviation, fashion, graduations, landscapes, news, portraits, sporting events, weddings, or wildlife photography.
Some photographers do not work directly for clients, but take pictures and then find interested buyers. The use of digital cameras and computer-generated images has changed the profession greatly as processing and retouching involve only the use of computer software.
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, however, affords some protection for photographers when it comes to claims and liabilities.
Photographer insurance protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked photography insurance questions:
- What Is Photographer Insurance?
- How Much Does Photographer Insurance Cost?
- Why Do Photographers Need Insurance?
- What Types Of Insurance Do Photographers Need?
- What Type Of Lawsuits Do Photographers Get?
- What Are Photographers Risks & Exposures?
- What Does Photographer Insurance Cover & Pay For?
What Is Photographer Insurance?
Photographer insurance is a type of insurance that specifically covers photographers and their businesses. It typically includes liability coverage for accidents or injuries that occur on the job, as well as coverage for damage to or loss of equipment. It may also include coverage for legal fees and other expenses associated with a lawsuit.
The specific coverage and limits will vary depending on the policy and the needs of the individual photographer or photography business.
How Much Does Photographer Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small photography businesses ranges from $27 to $39 per month based on location, size, payroll, sales and experience.
Why Do Photographers Need Insurance?
Photographers need insurance for a number of reasons. Firstly, it helps protect their business and financial assets in the event of unforeseen circumstances such as damage to their equipment, liability claims, or legal disputes.
Commercial insurance can also provide coverage for loss of income due to unexpected events, which is especially important for photographers who rely on their business as their primary source of income.
Secondly, insurance can help photographers protect their reputation and maintain a professional image. A photographer with insurance is more likely to be seen as reliable and trustworthy by clients, which can help them stand out in a competitive industry.
Lastly, insurance can give photographers peace of mind and allow them to focus on their work without worrying about potential risks or financial losses. It allows photographers to take on new projects with confidence and take calculated risks in pursuit of their creative goals.
In summary, photographers need insurance to protect their business, reputation, and financial stability, and to give them the confidence and peace of mind to pursue their creative endeavors without worrying about potential risks.
What Types Of Insurance Do Photographers Need?
There are several types of insurance that photographers may need to consider depending on their business model and the services they offer. These may include:
- Professional Liability: This insurance covers photographers for any errors or omissions made during the course of their work, such as missing an important shot.
- Business Owner's Policy: This insurance combines both property and liability coverage for photographers' studios and equipment.
- Workers' Comp: If photographers have employees, they will need to carry workers' compensation insurance to cover medical expenses and lost wages for any injuries sustained on the job.
- Business Interruption: This insurance covers photographers for any lost income due to a covered event, such as a natural disaster or equipment failure.
- Commercial Auto: If photographers use their own vehicles for business purposes, they will need to carry auto insurance to cover any damage to their vehicle or any third-party damages resulting from an accident.
In addition to the above types of insurance, photographers may also want to consider purchasing coverage for their equipment and digital assets.
Equipment insurance covers the repair or replacement of any damaged or stolen cameras, lenses, and other photography equipment.
Digital asset insurance covers the loss or damage of digital files and images, which can be a significant financial loss for photographers.
Another important insurance for photographers to consider is copyright infringement insurance. This coverage protects photographers against any legal actions taken against them for using someone else's copyrighted material without permission. This type of insurance can be especially important for photographers who work with stock images or use images from other sources in their work.
Finally, photographers may want to consider purchasing travel insurance when they are traveling for work. This coverage can protect them in case of trip cancellations, lost luggage, medical emergencies, and other unexpected events that may occur while traveling.
Overall, it is important for photographers to carefully evaluate their business needs and potential risks to determine the types of insurance coverage that will best protect them and their business.
What Type Of Lawsuits Do Photographers Get?
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 York 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.
What Are Photographers Risks & Exposures
Premises liability exposures can be moderate to high. At the studio, client areas must be well lighted with floor covering in good condition. Exits must be sufficient in number, be well marked, and have backup lighting in case of power failure. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. Lights, equipment, and wiring can cause trips and falls both at the studio and off-premises.
Off-site shoots present the highest exposure for injury as the photography has little or no control over hazards. Photographing animals can result in bites, kicks, and scratches. If outdoor shoots are carried out in remote and wilderness areas, injuries may result from slips, trips, falls, falling objects, drowning, or attacks by insects or wild animals. Drivers may be injured in automobile accidents.
A photographer's efforts on location to "get the shot" can result in injury to members of the public who may be in the way. Advertising and personal injury losses may result from violations of copyright or trade dress, invasion of privacy, and similar allegations.
Environmental liability exposure exists only if dark room processing is part of the operation. In that case, it can be high due to the potential for air, surface, or ground water, or soil contamination from chemicals used in developing solutions which may be toxic. Disposal of waste must be in compliance with state and federal standards.
Workers compensation exposure is low for studio photographers, who work on site, do not develop their own film, and use digital cameras. If the photographers develop their own photos, exposures increase due to the potential for skin, eye, and lung injury arising from cumulative exposure to developing solutions, which may be toxic. Employees must be fully informed as to the potential effects of any chemicals, including long-term occupational disease hazards so that they can take action as quickly as possible.
Property exposures may include an office, studio, and incidental storage. Ignition sources include electrical wiring and lighting, heating, and air conditioning systems. Combustibles include large amounts of paper and props used in the studio. Cameras and electronic equipment used in digital photography are high in value and are highly susceptible to damage from fire, smoke, water, breakage, and theft.
Crime exposure is from employee dishonesty and money and securities. Hazards increase without proper background checks and separation of duties. If employees deliver photographs off-site, such as to schools and other organizations, there should be a written procedure for tracking orders and receipts.
Inland marine exposures include accounts receivable if the photographer offers credit, commercial articles floater for cameras and other photographic equipment, computers, and valuable papers and records for customers' and suppliers' information. Cameras and other equipment may be transported and used at off-site locations.
The equipment is sensitive and susceptible to damage from breakage, theft, fire, and water damage. Equipment may be a target for theft and must be kept in a locked compartment during transport. There may be a bailees' customers' exposure if the photographer develops film or repairs photos for others.
Commercial auto exposure depends on the frequency of off-premises shoots and the radius of operation. Drivers must have appropriate licenses for the exposure and acceptable MVRs. Vehicles must be maintained, and records kept in a central location.
What Does Photographer Insurance Cover & Pay For?
Photographers can be sued for a variety of reasons, including:
- Intellectual property infringement: Photographers may be sued if they use copyrighted images without permission or if they use an image in a way that exceeds the scope of a license agreement.
- Invasion of privacy: Photographers may be sued if they take photos of people in situations where they have a reasonable expectation of privacy, such as in their homes or in changing rooms.
- Personal injury: Photographers may be sued if someone is injured during a photo shoot, such as if they fall while posing for a shot.
- Property damage: Photographers may be sued if they damage someone's property while on a shoot, such as knocking over a vase or causing a scratch on a wall.
- Breach of contract: Photographers may be sued if they fail to fulfill the terms of a contract, such as delivering images by a specific deadline or failing to provide the agreed-upon number of photos.
Insurance can protect photographers in a number of ways. Here are some examples:
General liability insurance: This type of insurance can provide coverage if a photographer is sued for personal injury or property damage. For example, if a photographer accidentally knocks over a vase and it breaks, their general liability insurance may cover the cost of repairing or replacing the vase.
Errors and omissions insurance: This type of insurance can provide coverage if a photographer is sued for intellectual property infringement or breach of contract. For example, if a photographer is sued for using an image without permission, their errors and omissions insurance may cover the cost of defending against the lawsuit.
Equipment insurance: This type of insurance can provide coverage if a photographer's equipment is damaged or stolen. For example, if a photographer's camera is stolen while on a shoot, their equipment insurance may cover the cost of replacing it.
In conclusion, insurance is an essential tool for photographers as it can protect them from potential legal and financial damages resulting from a lawsuit. Different types of insurance policies can offer coverage for a variety of risks, including personal injury, property damage, intellectual property infringement, breach of contract, and equipment damage or theft.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7221 Photographic Studios, Portrait, 7335 Commercial Photography
- NAICS CODE: 541921 Photography Studios, Portrait, 541922 Commercial Photography
- Suggested Workers Compensation Code(s): 4361 Photographer - All Employees & Clerical, Salespersons, Drivers
Description for 7221: Photographic Studios, Portrait
Division I: Services | Major Group 72: Personal Services | Industry Group 722: Photographic Studios, Portrait
7221 Photographic Studios, Portrait: Establishments primarily engaged in still or video portrait photography for the general public. Establishments primarily engaged in commercial photography are classified in Industry 7335; those engaged in video tape production other than portrait are classified in Industry 7812; and those engaged in film developing or print processing for the trade or for the general public are classified in Industry 7384.
- Home photographers
- Passport photographers
- Photographers, portrait: still or video
- Portrait photographers
- School photographers
- Transient photographers
- Video photography, portrait
Photographer Insurance - The Bottom Line
When buying your photographer insurance, be sure to shop around, and work with an 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 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.
Additional Resources For Arts & Recreation Insurance
Read up on small business arts and recreation commercial insurance.
- Amusement Parks
- Archery Ranges
- Athletic Fields
- Billiard And Pool Halls
- Bowling Alleys
- Cave Tours
- Dance Studio
- Disc Jockey DJ
- Drive-In Theaters
- Entertainers And Performers
- Event Planning
- Fairs And Fairgrounds
- Film Production
- Fine Art
- Guides & Outfitters
- Handball & Racquetball Courts
- Horse & Dog Racetracks
- Indoor Sports Complexes
- Interior Decorator
- Interior Design
- Motorsports Racetracks
- Photo Booth
- Recording Studio
- Recreation Centers
- Riding Stables
- Roller Sakting Rinks
- Shooting Ranges
- Skeet & Trap Shooting Ranges
- Ski Resorts
- Talent Agency
- Tennis Centers
- Video Arcades
- Wedding And Special Event
- Specialty Arts And Antiques
- Specialty Clubs And Leisure Time Activities
- Specialty Entertainment
The arts and recreation industry is a vital part of our society and culture, providing entertainment and enjoyment for people of all ages. However, as with any business, there are inherent risks and potential liabilities that can arise. This is where insurance comes into play.
One of the main reasons the arts and recreation industry needs insurance is to protect against financial losses due to accidents or injuries. For example, if a performer is injured while rehearsing or performing, their medical bills and lost wages could be significant. Without insurance, the cost of these expenses could potentially bankrupt a small arts organization.
In addition to protecting against accidents and injuries, business insurance can also cover damages or losses due to weather events, natural disasters, and other unexpected circumstances. For example, if a theater is forced to cancel a performance due to a power outage or extreme weather, insurance can help cover lost income and expenses.
Another important aspect of commercial insurance for the arts and recreation industry is liability coverage. This type of insurance can protect against legal claims and lawsuits if someone is injured or becomes ill while attending an event or using facilities. For example, if a patron slips and falls at a theater, they may file a lawsuit against the venue for damages. Liability insurance can help cover the costs of legal fees and any settlement or judgement.
Overall, the arts and recreation industry needs insurance to protect against financial losses and legal liabilities that can arise in the course of business. Without commercial insurance, small arts organizations and recreational facilities could be vulnerable to financial ruin in the face of unexpected events or accidents.
Minimum recommended small business insurance coverage: Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Commercial Articles Floater, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Bailees Customers Floater, Money and Securities, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.