Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Quick thinking insurance for small businesses.
Business location
Your location influences your cost. Busier, urban areas tend to have more risk, and that can increase costs. The reverse is also true.
Policy length
With Thimble, you can purchase insurance by the hour, day, or month, meaning you only have to pay for coverage when the camera’s rolling. If you’re purchasing coverage by the job, then the length of your shoot will influence Photographer & Videographer Insurance costs.
Crew size
Some photographers only have one other team member — their camera. Others may have an assistant, a stylist, and a lighting specialist on set. Or maybe you run a business that employs multiple photographers. The size of your crew can affect the costs of your Photo-Video Insurance because larger teams come with a higher risk of accidents.
Amount of coverage needed
Some photographers may require more protection than others. While higher policy limits may increase your costs a modest amount, it also means that you won’t have to pay out of pocket, say, if your expensive equipment is ruined.
What does Photographer & Videographer Insurance cover?
Photographer Insurance helps to protect businesses like yours from some of the most common risks you face, including:
Third-party, non-employee injury claims
Sometimes, photography sets can get chaotic and messy. For example, let’s say you are shooting your client’s newest fashion line. A model trips over your equipment and sustains an injury. Photographer Insurance can help cover the cost of her medical expenses.
Third-party property damage
A real estate agent calls you to shoot a brand new house they just listed. To get the photos just right, you bring in your trusty lighting stands. Unfortunately, one falls over during the shoot and causes property damage. Photographer Insurance can cover the cost to make repairs.
Defense costs
As a photographer, you are responsible for capturing some of your clients’ most precious memories. However, accidents happen. For example, let’s say you forgot to put the memory card in your camera at your last wedding shoot. Now, you have no photos to show for the day, and the bride hits you with a lawsuit for breach of contract. Photographer Insurance can provide your legal defense and the settlement of claims.
Errors & omissions
Let’s say you wrapped up a shoot for a marketing agency client and delivered a stunning collection of photos. However, there’s one problem. You forgot to have the models sign off on talent release forms. So now, the images are unusable for the client’s advertising materials, and they claim negligence. Photographer Insurance can protect your business from costly negligence claims, even if it is just an oversight.
Commercial property insurance
Commercial property insurance is available through a BOP at an additional cost. A BOP bundles general liability insurance and commercial property insurance in one convenient policy. It’s a must-have for photographers who own property, whether that’s a studio or equipment that you keep at your location or within 100 feet of the premises. Additionally, business interruption insurance covers loss of business income sustained due to interruption of operations as a result of direct physical loss or damage.
Photographer & Videographer Insurance Cost FAQs
What if a venue needs me to add them as an Additional Insured?
Not a problem. With Thimble, you can add as many Additional Insureds to your policy as you need at no additional cost.
Do I need event insurance if I have general liability coverage?
Yes, we recommend it. Event insurance is a specific type of liability insurance that protects you against the risks associated with organizing a special event, such as a photo shoot.
What other types of insurance should photographers have?
If your business owns a vehicle, you will need commercial auto insurance. If it doesn’t, and you use your personal (or a rented) vehicle for work-related purposes, you’ll need hired and non-owned auto insurance in case your business gets sued if you get into an accident.
If you have employees, most states legally require that you carry workers’ compensation insurance for their work-related injuries and illnesses.
What do I do if a client asks for proof of insurance?
Thimble allows you to generate as many certificate of liability insurance as you need to show that you have coverage. You can download your COI in seconds online or from the Thimble app.
Does Photographer Insurance cover my camera when I’m shooting outside the studio?
No. To protect your valuable photography equipment while you’re at a shoot, you need Business Equipment Protection, which covers damage to your equipment no matter where you are.
Do you need liability insurance for photography?
Yes, you do, even if you’re an amateur because Photography Insurance protects you from the financial consequences of third-party liabilities like bodily injury, property damage, advertising injury, and claims of negligence.
How much does wedding photographer insurance cost?
Wedding photographers need Photographer Insurance to protect themselves from the financial consequences of accidents, mistakes, and lawsuits. Your premium cost will be determined by your location, crew size, the policy length and coverage limit you choose, and a variety of other factors.