If you are a photographer, you’ll work closely with customers to create the pictures they want. Sometimes, you’ll take portraits. In other cases, you’ll photograph inanimate objects. Your clients will expect you to do your job correctly. If you cause harm to them in the process,
they’ll likely expect you to cover their losses. Often, your liability insurance can help you meet this obligation. Let’s examine how important this coverage is within the photography business.
With liability insurance, you’ll get protection in case you cause harm to others. You won't have to put your own assets on the line to repay someone for an accident. As a business owner, you’ll find that protection very valuable.
What’s General Liability Insurance?
Within commercial insurance, you’ll often find this coverage. Consider it a crucial duty as a business owner to carry protection.
If you harm one of your clients, general liability coverage can help you repay them for their losses. It can also help you cover potential legal settlements that might arise.
Let’s say that during a photography session, a client slips and falls on a rug in your studio. They might claim that your negligence caused the accident. They might say you failed to make your studio safe for them. And they might want you to pay for the damage. If you have liability insurance, you can often cover costs from such problems.
What can your policy include?
Liability insurance will vary. Yet, most policies will contain a few different elements of coverage. Some of these might include:
- Bodily injury coverage: Can protect you against injuries you cause your clients. Coverage often protects you both on and off your business premises.
- Property damage coverage: Pays for damage to someone else’s property. For example, if you break a window while photographing a home, use this coverage to pay for the damage.
- Personal injury protection: Covers you if you commit offenses like libel or slander. Given the public risks associated with photography, you’ll likely find this beneficial.
The good thing about liability insurance is that it often doesn’t include a deductible unless you ask for one. Therefore, you can let your policy handle a greater burden of the cost.
Still, general liability coverage might not cover everything. For example, if you want protection against potential copyright violations, you might need to add advertising liability insurance to your portfolio. Some photographers might even need errors & omissions protection or products liability coverage.
Given that you must consider so many elements to coverage, talk to your agent at 708.423.2350. We'll help you decide the best way to formulate a general liability insurance policy. Let us help you find the appropriate amount of coverage.
Also Read: Liability Insurance: It Helps More Than Just Your Customers