![]() ![]() Because of this, many event venues require proof of general liability coverage from their vendors.Īnother feature to look out for when reviewing general liability coverage is its ability to cover employees, assistants, and even contracted employees in the case of an accident. Venue owners have put a lot of time and work into building their businesses and want to ensure that damages are covered by all vendors utilizing their space. Gear coverage is not the only necessity when it comes to photography insurance. Similarly, if you do decide to start shooting commercially, many homeowner’s policies require that you cover your gear with a business insurance policy. If damage occurs to your gear outside of the home, it is likely that your homeowner’s policy won’t cover replacement or repair. The good news is that homeowner’s insurance could possibly cover your gear if something happens to it in the case of a break-in or natural disaster.Īs good as this sounds, there are many pitfalls to consider. For example, let’s say you aren’t ready to make the leap into the professional world of photography just yet but still want to ensure that the gear you spent your hard-earned money on is covered. These can help set a clear path for choosing the coverage you need. Things to consider before buying photography insuranceĪny time a conversation is started around the topic of insurance, many what-if scenarios come to mind. After looking at some of the actual claims paid out, though, we were pleased to see some higher claims, one of which was $375,000. Because of this, we were unable to get a clear idea of how much we could expect to pay in premiums and how much equipment coverage to expect. It seems that its intent is for potential customers to contact one of its insurance agents to get a more accurate account of coverage options. Unfortunately, the dated website also made it challenging to discern helpful information. When first reviewing Hill & Usher, its website gave off the impression of a long-forgotten business that kept up with its hosting bill. With such an appealing insurance policy, it is a shame how outdated its web presence is. Depending on the amount of coverage your business requires, your deductible could be as low as $250 but no higher than $1000. That includes coverage for personal injury and negligence. Outside of their extensive gear coverage, general liability has a starting limit of $1,000,000. And it is all covered up to the cost of replacement. You can expect coverage for cameras, lenses, flashes, studio contents, computers, storage media, scanning equipment, dark room equipment, and even rental equipment. And they did so without excluding the other important staples of great coverage. Out of all of the policies we reviewed, this is the first that puts gear first. Hard to gather enough info to set expectations.Best for gear: Hill & Usher Package Choiceīest photography insurance: Ratings & reviews.Choosing the best photography insurance is one of the best long-term business decisions you can make, so keep reading to find out how to protect yourself, your gear, and your business. Whether you are just starting your photography business, are a seasoned pro, or even a hobbyist, this article is your guide to approaching insurance agents well informed. That’s precisely why we wanted to help you start your journey of selecting the right plan to fit your needs. When looking at the vast possibilities of insurance available, it is easy to become overwhelmed. Whether it’s lenses, camera bodies, drones, or even computers and vehicles, it is essential to always have a contingency plan for when things inevitably go wrong. And when you look at the money you spend on equipment as a literal representation of the time you have sacrificed, more is at stake than just the price tag. As a photographer, videographer, or droneographer, one thing is certain: gear is expensive. Photography insurance is a less than glamorous topic but is a necessity. ![]()
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