Photographer & Videographer Business Insurance
As a photography or videography professional, your goal is to frame and capture the perfect shot. But as a small business owner, you know that things aren’t always picture-perfect.
Working with clients exposes you to a certain amount of risk. So does working with equipment including costly cameras. With business insurance, photographers and videographers can protect their business with birds-eye precision.
Thimble’s Photography & Videography Business Insurance gives you instant, on-demand coverage when you need it, no matter how last-minute a photoshoot is.
Types of insurance photo & video businesses need
Although you’re usually behind the camera, it doesn’t mean you can’t find yourself at the center of a legal drama.
If a client or other third party sues you, you may be responsible for expensive legal fees that could put your business in jeopardy and make you lose client work. Safeguard your business with the following types of insurance:
- General liability insurance
- Professional liability insurance
- Equipment insurance
- Commercial property insurance
General liability insurance
General liability insurance is a must-have for any photography or videography business. It is designed to protect against accidents that cause bodily injury, property damage, and personal and advertising injury to third parties. It also provides the investigation and legal defense for those types of claims, which can include the following situations:
Non-employee, third-party bodily injury – During a photoshoot, someone trips over your equipment and is injured. They could sue you for the cost of their medical bills. (Note: If you have any employees, you’ll need separate workers’ compensation insurance to cover their injuries or illness while on the job.)
Third-party property damage – While filming in someone’s home, you accidentally damage the property. You could be held liable and have to pay for the damage.
Personal and advertising injury – As a photographer, you take inspiration from other artists. But a competitor could think you’ve gone too far and sue you for copyright infringement or libelous advertisement.
Professional liability insurance
Professional liability insurance helps cover a client’s financial losses resulting from your advice or your failure to provide professional services properly. But how could your work in the photo and video space impact someone’s bank account? It’s more common that you might think!
For example, you’re a videographer creating a reel for an actress to be delivered to a casting agent by a certain deadline. Should you send a corrupt file and cause her to miss out on the job, she could sue you for the loss of potential income.
Since photos and videos often play a role in your clients’ business endeavors, it’s a good idea to carry professional liability insurance to cover instances where they believe their financial loss stems from your work.
Cameras, lenses, tripods, and lights are expensive and vital equipment you need to do your job. While general liability insurance protects other people’s property, it doesn’t cover damage to your first-party property.
For that, you need camera equipment insurance, which we simply call, Business Equipment Protection. It protects your owned and borrowed property against accidental damage, loss, or theft when it’s on the go.
Thimble’s Business Equipment Protection provides blanket coverage for your equipment and gear (for each item under $2,500). For more expensive equipment you can choose an additional $2,500 in coverage.
Without the right camera equipment coverage, you could find yourself facing a costly and unexpected business expense.
Commercial property insurance
If you work out of a studio or office, you could benefit from another type of first-party property coverage called commercial property insurance. While Business Equipment Protection covers the gear you take with you, commercial property insurance covers your owned building you work in and your business property inside.
Depending on the specifics of your policy, commercial property insurance can cover:
- Damage and vandalization of your building and its premises
- Loss, theft, or damage of the valuable equipment inside and within 100 feet of the premises
- Loss-of-use of your building and equipment (including lost revenue from closure)
If you lease a space, most landlords will require you to get insurance to cover the landlord’s liability interest and perhaps, some of its property interest. You should verify with your landlord. If you own the building, it’s that much more important to safeguard your real estate investment with the appropriate coverage.
Why choose Thimble for Photo & Video Business Insurance
Viewed through the right lens (and with the right insurance provider), taking out business insurance is simple and easy.
At Thimble, we’ve changed how business owners can purchase insurance. We’re making insurance work for you, not the other way around.
- We bundle general liability insurance and professional liability insurance under specialized Photographer Insurance and Videographer Insurance coverages based on the needs of creative professionals.
- We let you choose your coverage length. Purchase photography and videography insurance to cover a single afternoon of shooting, a few days, a week, or a full month. It’s all about your needs.
- Know your cameras, lenses, and gear are protected without needing a line-itemed list in your policy details (a benefit of our blanket coverage through Business Equipment Protection).
Leave insurance to us and get back to what you do best—point, click, and make your clients look good.
Ready to get started? Just click “Get a Quote” or download the Thimble app, answer a few questions, and we’ll generate an instant quote. Click to purchase and your policy and Certificate of Insurance (COI) will be sent to your inbox. We’ll send you as many COIs as you need and when you need them. Now click away!
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