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Why Should Photographers Have Business Insurance?

March 3, 2021

If you are a professional photographer, you own your own business. Since you own your own business, you’re looking at some of the same risks that other types of business owners may face. For that reason, it’s important to have business insurance. Take a look at some of the reasons why, as a photographer, it’s best to have business insurance.

Theft of or Damage to Equipment 

Cameras, lenses, memory cards, and other photographic equipment are expensive. Not everyone has a few thousand dollars to replace equipment. If your equipment does get stolen or damaged, you may not be able to replace it right away, and that can stall business. That’s why it’s important that you invest in protecting your photography business with business insurance. Your provider will help you pay for equipment that was stolen or damaged. 

Failure to Perform Services

What happens if a memory card becomes damaged or stolen before you had the chance to back it up? It probably means that those pictures are lost for good. If that happens, you are unable to complete the services you promised to your client, and it leaves the possibility for clients to sue. To avoid expensive litigation, you can protect your photography business by investing in business insurance. 

Automobile Liability

As a photographer, you likely spend time in your vehicle traveling to different locations. If you are using your car, truck, or van to conduct business, your auto insurance policy will not cover you if you got into an accident. Get commercial auto insurance to cover any vehicles that you are using to conduct business. That way, you won’t be stuck having to pay out of pocket for any damage to your vehicle or any vehicle that your employees are using for work-related travel. 

Physical Injury

Photography has the potential to be dangerous. Climbing to get the perfect angle, using heavy props, and bending into awkward positions can cause serious bodily harm. If you or your employees are injured during a shoot, your personal health insurance will not cover the resulting medical expenses. Protect you and your employees by getting worker’s compensation insurance. 

Want to Explore Your Business Insurance Options?

American Heritage Insurance is here to help you explore all of your business insurance options. We’ll help you evaluate your business risks as a photographer and find you the right policy for you. Contact us today to request a Maryland business insurance quote.

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

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