Essential Protection for Your Business
General Liability Insurance for Photographers
As a photographer, your job often takes you to various locations—whether it’s a wedding venue, corporate event, or an outdoor shoot. While your focus is on capturing stunning images, accidents can happen, and those accidents can lead to costly legal claims. That’s why having General Liability Insurance is crucial for any photography business.
At Package Choice, we understand the unique risks photographers face. Our General Liability Insurance is designed to protect you from financial losses due to third-party claims of bodily injury, property damage, or personal injury arising from your business operations.
What is General Liability Insurance?
General Liability Insurance provides broad protection for your photography business, covering claims that arise from accidents, injuries, or damages that occur during your shoots or while you’re working with clients. This type of insurance can cover legal fees, medical expenses, and settlement costs if you’re held liable.
Common scenarios where General Liability Insurance applies:
- Bodily Injury: A guest at a wedding trips over your lighting equipment and sustains an injury.
- Property Damage: You accidentally damage a client’s property while setting up a photoshoot.
- Personal Injury: A client claims that you’ve used their likeness inappropriately for advertising, resulting in a lawsuit.
Why Photographers Need General Liability Insurance
As a professional photographer, you’re responsible not only for the quality of your work but also for the safety of those around you. Whether you’re working at a venue, studio, or a client’s property, unexpected incidents can occur. General Liability Insurance ensures that your business is protected from the financial consequences of such events.
Here are a few reasons why General Liability Insurance is essential for photographers:
- Venue Requirements: Many venues require photographers to provide proof of General Liability Insurance before they can work on-site. With Package Choice, you can quickly obtain Certificates of Insurance to meet venue requirements.
- Client Contracts: Some clients may ask for proof of insurance to ensure that you’re covered for potential liabilities. Having this coverage gives your clients peace of mind and can help you secure more contracts.
- Accidents Happen: Even the most careful photographers face risks, such as someone tripping over equipment or damage to a location where you’re shooting. Without insurance, these incidents could result in costly legal claims and settlements.
What Does General Liability Insurance Cover?
Package Choice offers robust General Liability Insurance that includes protection for:
- Bodily Injury: Covers medical expenses and legal fees if someone is injured during your shoot.
- Property Damage: Pays for repairs or replacements if you accidentally damage someone else’s property.
- Personal and Advertising Injury: Protects against claims related to defamation, slander, or the inappropriate use of someone’s likeness in advertising materials.
- Products and Completed Operations: Coverage extends to liability claims that arise after your project has been delivered, such as an injury caused by a photo display.
Flexible Coverage Options for Your Business
At Package Choice, we understand that every photography business is unique. That’s why we offer flexible coverage limits to meet your needs:
- Standard Limits: Our standard policy provides coverage of $1,000,000 per occurrence and $2,000,000 in aggregate.
- Higher Limits Available: For larger businesses or those requiring more extensive coverage, we offer limits up to $2,000,000 per occurrence and $4,000,000 aggregate.
- Customizable Policies: Tailor your policy with add-ons or increased coverage based on your business size and client requirements.
Easy Access to Certificates of Insurance
One of the key benefits of Package Choice General Liability Insurance is the ability to quickly obtain Certificates of Insurance. Whether you need to provide proof of coverage for a venue or client, our team ensures you receive your certificates within 24 hours—keeping your business running smoothly.
Get a Quote Today
Ensure your photography business is protected from the unexpected with General Liability Insurance. Contact us today to get a customized quote or fill out our online form, and one of our licensed agents will work with you to find the right coverage for your needs.