As a photographer, you may be at risk of losing your business. You could have an accident while out shooting photos and end up with a life-changing injury. What if you had to take time off from work without pay because of the accident? These are some of the many reasons why it’s important for photographers to purchase insurance coverage for their photography business.
One type of insurance that’s essential for photographers is professional liability insurance. This type of coverage protects you if a client sues you for damages, such as copyright infringement or slander. It can also help protect you from any financial losses that may come as a result of an accident or injury while shooting photos.
Another important type of insurance coverage is property insurance. If your equipment gets stolen or destroyed in a fire, you’ll need to replace it quickly so that you can continue shooting photos and making money. Property insurance may be able to help cover the cost of replacing cameras, lenses, monitors, tripods, lighting set-ups and other items that comprise your photography business’ inventory.
If you can’t afford to replace equipment, income insurance may be able to help. It provides living expenses while you’re unable to shoot photos due to an injury or illness that prevents you from working for a certain period of time. For example, if your arm is injured in an accident and it’s immobilized during the recovery process, this type of insurance can help you pay your rent and bills until you’re able to go back to work.
These are just a few examples of the types of insurance that photographers should consider. By investing in coverage, you’ll be protecting yourself from any potential financial losses that could occur due to an accident or lawsuit. Contact an insurance agent today to learn more about the policies that are available to you.
Alice Schultz is a freelance photographer and portrait artist who has been taking photos for 10 years. She specializes in studio portraits, family photos, headshots, and other photography services. Alice also teaches workshops on how to take better pictures with your own camera phone!