Photographer Insurance. In a litigious society, nobody is completely safe from potential claims and lawsuits against them, photographers included. Liability insurance is therefore a necessity for most photographers. Photographers make either video and still images for customers, either on their own studios or remotely from another location at the customer's house or place of work, or in a third party location like a hall rental for a wedding reception. Images that are taken in a state other than where the photographer is based or has a physical office are also covered by liability insurance. As most photographers have clients that live in different countries, they also have some form of professional liability insurance.
Most photographers will find themselves purchasing professional liability insurance to be an invaluable asset. It provides peace of mind and security to the business owner when using their services. Many photographers purchase this type of insurance to protect both them and their clients. One common claim made against a photographer is that they have been negligent in terms of their handling of equipment. Equipment that is expensive and/or delicate can be damaged by water damage, fire, etc, and when this happens the photographer insurance policy provides the necessary coverage to repair or replace the damaged equipment.
Some photographers feel that they do not need a photography insurance plan because they use mostly non-professional cameras and other equipment. However, the more expensive and specialized the camera used, the more protection needed. It is true that these photographers use mainly sophisticated equipment that can cause damage in case of mishandling. However, professional photographers should consider the value of the equipment that they use to determine its worth. Professional photographers protect their equipment so that it provides them with a level of peace of mind while still allowing them to earn a living.
The state requires that a professional photographer obtain a minimum of $1 million coverage to protect the business. Having this kind of coverage helps protect the client in the event that the photographer damages their property. This can also help protect the client in case the photographer's services are not rendered properly. In addition, having this kind of coverage can help protect the client from professional negligence that causes damage to the client's property.
Photographers need PPA photocare coverage to help them protect themselves in the event that they are sued following an incident. When liability is at stake PPA coverage can come in handy. Photographers who work in a legal profession or have clients who engage in lawsuits often are required to carry PPA coverage. Many times the litigation is because the client has been injured or suffered harm while using the services of the professional photographer.
Photographers can purchase PPA coverage individually or via an insurance policy. Most times photographers will purchase PPA on their own because they already own all of the equipment that is needed for their business. Purchasing PPA coverage through an insurance company can be very helpful because it will provide coverage for any damage that may happen to their photography gear. Purchasing PPA through an agent will cost photographers a monthly premium, however the coverage can be much more comprehensive.
Professionalism of the photographer is also important to consider when purchasing insurance. Personalized portraits and landscapes are not typically as valuable as portraits in still life. Many professional photographic studios also have an insurance policy that is designed specifically for the portrait business. Having the right amount of insurance can help protect the portrait studio investment and keep clients from being taken advantage of by unscrupulous individuals within the industry.
There are many options available when it comes to insurance coverage. PPA coverage is one of the best ways to protect the investment of a photographer. Photographers can also purchase a general liability policy to cover any accidents that occur on set or while on the premises. Having the appropriate insurance coverage can protect the business owner from excessive claims from employees or customers.