Photographers play a special role in the entertainment industry, usually as the one to record the big events put on by others. From promotional photos at concerts to private functions like weddings, you are the one who has to be close but unseen, and your work helps keep the memory of the day alive. That also means your exposure to liability is unique compared to many other professionals in this industry, even if there is a lot of overlap. You need to be covered in case of cancellations or accidents onsite, but also in case professional errors cause real damages to clients. Insurance for professional photographers should anticipate all those needs.
Common Coverage Provisions for Photographer’s Insurance
If you opt for an insurance program aimed at photographers individually and not entertainment professionals as a whole, you can expect to see all these common coverage provisions. More general policies may have most of them but rarely cover all the bases without additional policies or extensions.
- Errors and omissions coverage
- Event and cancellation coverage
- Equipment policies to protect your gear from damage
- Additional insured options
- Inland marine coverage
- General and professional liability coverage
All of these coverage options are basic for photographers, but the limits to policies, extension options, and other nuances vary from one carrier to the next. Make sure you look for experience when you are shopping for insurance and you will be sure to find someone who can make a tailored quote for your business.