(888) 900 0205General Liability Insurance for Photographers
As a photographer, you're not just snapping photos—you’re running a business. That’s where photographer's general liability insurance steps in. This policy protects you from common business risks like third-party injuries, property damage, or legal claims that might pop up during a shoot.
Let’s say someone trips over your equipment or you accidentally damage a client’s property during a session. This insurance has your back, covering medical expenses or potential legal fees.
What's Covered Under TBD General Liability Insurance
So, what does photographer's general liability insurance cover? Here’s a snapshot:
- Injury at a photoshoot: A client or guest trips over your lighting cables.
- Property damage: You accidentally knock over an expensive vase during an in-home session.
- Legal defense costs: If someone files a lawsuit against you for damages or injuries related to your work, the insurance helps cover your defense.
Is General Liability Insurance Required
General liability insurance for photographers isn’t always legally required, but it’s highly recommended. In some states or local areas, especially if you rent studio space or work with certain venues, having this insurance may be a must. Places like California, New York, or Texas often require proof of liability coverage before you can book locations.
Even if it’s not mandated, having insurance can give your clients peace of mind and make you stand out in a competitive industry.
Other Insurance Photographers Should Consider
In addition to TBD general liability insurance, photographers usually carry the following coverage options to protect their business:
- Equipment Coverage: For cameras, lenses, and other gear.
- Commercial Auto Insurance: If you use a vehicle for work.
- Workers' Compensation: For photographers with staff.
- Excess Liability: Extra protection for high-risk scenarios.
- Professional Liability: Covers mistakes or missed shots.