Photography Insurance
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Old 12-12-2007   #1
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Default Photography Insurance

I was wondering if anybody had insurance for there photography business? I'm registering for a business now and I'm trying to figure out what kind of insurance I need to protect myself. Just in case somebody falls in my house or something at a portrait session for example. I don't want to get sued and loose my house, but I'm so small right now I don't plan on incorporating for a while yet.

Any thoughts or advice on this?

Thanks,
Jay

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Old 12-12-2007   #2
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Default Re: Photography Insurance

Talk to your agent. Get a lawyer and an accountant.
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Old 12-12-2007   #3
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Default Re: Photography Insurance

Absolutely get at least a $1,000,000 business liability policy.... cost $175-$300 a year.
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Old 12-12-2007   #4
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Default Re: Photography Insurance

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Originally Posted by edleg View Post
Absolutely get at least a $1,000,000 business liability policy.... cost $175-$300 a year.
Yep, absolutely. I don't recall it being even that much, but I had my aquarium business years ago, so rates may have climbed.
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Old 12-12-2007   #5
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Default Re: Photography Insurance

Might be able to have it added on to your homeowners policy.

Hill & Usher specialize in insurance for photographers.

Definitely get some advice on what to get though. Not from us, but someone in the legal position to give advice in your state.
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Old 12-13-2007   #6
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Default Re: Photography Insurance

I have added insurance through my homeowner policy.

Occasionally when I shoot on location the property owner will require liability insurance - and my policy provides up to 1 million.

Haven't had any claims, but incase of a fire, or earthquake, it will provide additional coverage for equipment.
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Old 12-13-2007   #7
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Default Re: Photography Insurance

I have a rider on my homeowner's as well, that covers my drums and PA equipment, cameras, computers, and other electronics, and some jewelry. It wasn't expensive at all. Liability is a different deal, as was stated. $1 million seems to be the standard. Back when I fished in tournaments, boat owners were required to show proof of $1M liability coverage. All I can think of is Dr. Evil: "You must be covered for.... one MILLION dollars!"
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Old 12-13-2007   #8
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Default Re: Photography Insurance

Does it vary by state?
I always heard that it was illegal to use your homeowner's insurance to cover your photo gear if you are using it for a business, rather than personal use. I have a Personal Articles Policy attached to my Allstate homeowner's insurance but my gear is mostly used for personal stuff.
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Old 12-13-2007   #9
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Default Re: Photography Insurance

Thanks for all the info!! I'm going to call the people I have my home owners insurance through and see what they can do for me

Best,
Jay
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Old 12-14-2007   #10
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Default Re: Photography Insurance

Jay,
Kelly told me your thinking about coming to Texas for the Kerrville Summer Seminar.
If you can make it, it's the photographic equivalent to a resort vacation.

Cool speakers every day, BBQ cookout at night, vendors row (where the hotel turns the rooms facing the pool into a walk-n-shop photographic strip mall, music by the pool, a hospitality suite with free booze and food, print competition, awards banquet, and some of the best photographic education to be had.

I'm renting a conversion van for the drive down (about 7 hours from here). There's room if you care to tag along.


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