3 Risks every photographer faces on the job: How photography insurance can work for you

May 20, 2019

Topic: Protecting your business, Insurance 
Time Investment: 5 minutes
Suggested Product: BizRevamp

As a photographer, you have the creative freedom to capture precious moments for your clients and meet new people along the way. While you have a say on the camera equipment being used, props, and lighting, there are some things that are completely out of your control. Whether you take on short-term events or you are jet setting across the country for several photo shoots, photography insurance is essential for your business. Learn about three risks every photographer faces on the job and how photography insurance can work for you.


1. Camera Equipment Damage

The exciting thing about working as a photographer is that your workspace is constantly changing. One day you could be in a studio and the next day you could be capturing precious moments at a beach wedding. However, you never know what the next photography session will have in hold for your expensive equipment.

For example, your next photography job takes you to the beach, and you are there to shoot a bridal session for your new clients. Towards the end of the session, the sunset lighting is nearly perfect, and you decide to quickly change your camera lens. As you are making the switch, your camera lens slips from your fingers and cracks on the sharp seaside rocks.


How Photography Insurance Works For You

You might have already encountered a similar camera equipment mishap in the past and understand how expensive replacing equipment can be out of your pocket. With photography insurance, you can have peace of mind knowing that your insurance may help cover the cost of replacing your gear or fixing the damage.


2. A Client Sustains An Injury During A Photoshoot

During a photography session, part of your job may include directing your clients to pose a certain way. However, your instructions may lead to an accident, and your clients could hold you liable for their injuries.  

For example, you meet your client’s family in a lush meadow filled with wildflowers, and you ask the family to hold hands with one another while walking towards you. Since everyone is looking up at the camera, they aren’t necessarily paying attention to where they are walking and disaster strikes. One of your clients slips on uneven ground and injures their ankle.


How Photography Insurance Works For You

Not only will you be on the hook for their medical bills, but your client may take you to court for loss of income from the injury they sustained. Even if you aren’t found liable, you may still need to pay legal bills, and photography insurance can help cover those expenses.


3. Rented Property Damage

Since every photo shoot brings a new setting and a set of unknown circumstances, a space that you decide to rent for a session is no different. There are a variety of pieces within a rented venue that can be susceptible to damage, such as flooring, walls, furniture, and home decor items.

For example, you rent out a picturesque manor on the East coast for a stylized photo shoot you have been planning for months. You set up your lighting equipment and a model accidentally trips over the cord. Due to the fall, the lighting equipment knocks over lit candles and causes a small fire.


How Photography Insurance Works For You

If property damage occurs while you’re renting a space, photography insurance could help cover the cost of fixing the damage caused by the incident. Depending on the severity, the cost of repairing fire damage could cost hundreds or thousands of dollars.


The last thing you want to do is leave your business vulnerable to unexpected variables that are entirely out of your control, such as equipment damage, property damage, and bodily injury.

One unfortunate incident could lead to you losing hundreds, maybe even thousands of dollars that you’ll have to pay out of pocket. With photography insurance, you can rest assured that your business is protected and won’t have to endure crippling expenses on your own.


Don’t Wait! Get Covered Today

Full Frame Insurance offers photography insurance coverage for a variety of photographers in the industry. You can get an annual photography insurance plan with equipment coverage starting at $99 per year. Learn more about coverage by visiting www.fullframeinsurance.com/photography-insurance.


Guest post by Katie Given from Full Frame Insurance


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