4 Business Insurance to Know as a Photographer

​Being a photographer is a daunting job as you have to invest a lot of time and money not only for your photography gear but also for your safety while on the job. Aside from protecting your physical body from work hazards, you can also get other types of insurance to aid you in case of accidents. Here are four business insurance types to know while working as a photographer.

1. Business Property Coverage
   As a photographer, you are well-aware of how expensive your job can be, from purchasing a professional camera, lenses, lighting equipment, cleaning tools, stabilizer, etc. No matter how you struggle to prevent your gears from being damaged and stolen, it is inevitable. Your business will be undoubtedly affected unless you want to mitigate the casualties by getting business property coverage.
   
   This type of coverage may help you replace or repair not only your technical gears but also your studio necessities like desks or tables damaged by a covered incident. Make sure to read and discuss the policies with your insurance company thoroughly.
   
   
2. Business Interruption Coverage
   This type of coverage assists you in cases of major disasters, like fire or typhoons, that could cause damage to your photography business. It pays your lost business income during the covered event, allowing you to survive after a detrimental incident. You can do so by providing proof of past profits to determine how much would be the cost of your insurance payments that you can get.
   
   
3. General Liability Coverage
   If your photography expertise is human portraits, accidents, like falling equipment, may cause harm to someone’s body or damage. In this scenario, general liability can aid you in paying medical and legal expenses, as well as costs of the damaged property.
   
   
4. Professional Liability Coverage
   Photography is a risky job and may involve a lot of lawsuits and complaints, especially privacy and intellectual property cases. If you are facing a trial over professional mishaps during your work, this type of insurance is helpful for you.

Photography might be a fun job, but it is a crucial task, especially if you are an independent photographer. To protect your clients’ photos, your assets, and your reputation as a pro, choose the proper business insurance for your photography career.

At Insurance Agency Network, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (425) 681-0996. Get your free quote today by CLICKING HERE.