Do Photographers need Professional Liability insurance?

Photographers capture the beautiful memories of personal events or a company’s expanding product line. Tons of money is spent to create great works of art. To some people pictures are worth more than money, so it is critical to get the job done right. That’s a lot of pressure on photographers to produce high quality work.

In the service industry, you are at the mercy of your clients, whether it is a bride or a large corporation. Not all clients are ideal. You want protection against if you clients are unhappy with your work. This is where Professional Liability insurance comes into play. Professional Liability insurance would cover your legal defenses in case you sued for negligence.

Now your professional liability insurance will not help you if you get injured on the job. You will need General Liability insurance for that especially if you own a studio and someone gets injured on your premises.

You can also bundle equipment coverage with liability coverage in a Business Owners policy, which could be more cost effective than having two separate policies.

Call us today to discuss your options.