As a photographer, you’re an artist and business owner all-in-one. Pursuing your freedom of expression while avoiding legal quagmires can be challenging whether you’re a photojournalist or a wedding photographer.
To protect your small business, it’s not enough to know the law—you must also be prepared against potential risks.
The solution? Insurance.
General liability insurance – CGL insurance can protect photographers from client and third-party claims of personal injury, advertising injury, bodily injury, and property damage related to their work. Should a subject claim your noncommercial use of their photo counts as libel, they could sue you—and you’d be responsible for your own legal costs (as well as any payouts). That is, unless you have insurance.
Professional liability insurance – can protect photographers from claims or errors and omissions related to their work. Should a client be unhappy with their new headshots, they could sue you for reimbursement. In this case, a professional liability policy could provide coverage.
Insurance is great, but it’s not so great when you’re starting your business and building your portfolio but paying for insurance even if you don’t have a shoot.
At Thimble, we’ve created general liability and professional liability insurance for photographers.
We offer insurance on a revolutionary, on-demand basis (choose from hourly, daily, or monthly policies). That means you can take out photographer insurance for an hour-long photoshoot, a weekend festival, or by the month.
Getting insured takes less than 60 seconds. Just enter a few details about your business, your desired coverage length, click to purchase, and say “yes” to last minute-gigs with full confidence. If the job falls through, you can cancel your policy penalty-free up to one hour before coverage is set to begin.
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