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Program Details

Package Choice Photographer’s Insurance

Thank you for taking the time to learn more about the Package Choice Photographer’s Insurance Program. We understand that your business, whether you’re just starting out or you’re a seasoned professional, requires the right coverage to ensure your assets are fully protected. Here, we’ll break down the essential coverages offered through our program to help you make an informed decision.

Tailored Insurance for Photographers, Videographers, and Media Professionals

When you complete our easy online form, our licensed agents will design a custom insurance package that fits the size and specific needs of your photography, videography, graphic arts, or other media business. Whether you’re a freelance photographer, own a small studio, or run a larger production company, we’ve got you covered with starter policies for beginners and comprehensive options for industry veterans.

Ready to protect your photography business? Apply Now!

Coverages for Media Professionals Available in Package Choice

Insurance for Cameras & Equipment

Protect your valuable photography and videography gear—including cameras, lenses, flashes, and other equipment—whether you’re at home, in your studio, or on location throughout the United States or Canada.

Comprehensive Protection: Automatic coverage for theft and accidental breakage.
Replacement Cost Coverage: In the event of a claim, your insurance covers the cost of new equipment of the same kind and quality.
International Coverage: Available in most U.S. states, so your equipment is protected worldwide.
Customizable Deductibles: Choose a deductible that fits your needs, ranging from $250 to $1,000, based on your plan design or personal preference.

Studio Contents

Protect the contents of your studio with coverage up to the limit you choose, as specified in your policy.

Comprehensive Coverage: Includes office furnishings, tenant improvements, and any betterments made to your rented studio.
Specialized Protection: Covers darkroom equipment, supplies, and telephone equipment.

Computers and Media Coverage

Protect your essential business technology, including computers, printers, scanners, and other hardware, against accidental loss.

Hardware Protection: Coverage for computers, printers, scanning equipment, and more.
Included Software Coverage: Automatically covers your software.
Optional Data Coverage: Protect your valuable data with additional coverage for data loss.

Insurance for Rented or Leased Photography Gear

Get protection for equipment you rent, borrow, or lease while it’s in your care.

Comprehensive Coverage: Automatically included up to the policy limit, typically $10,000.
Rental Documentation: Easily provide proof of coverage to rental houses upon request.

Commercial General Liability Insurance

Safeguard your business from claims related to injuries to customers or the general public, as well as damage to third-party property.

Broad Protection: Covers premises-operations, products-completed operations, personal injury, and advertising liability.
Flexible Coverage Limits: Standard limits are $1,000,000 per occurrence / $2,000,000 aggregate. Higher limits of $2,000,000 per occurrence / $4,000,000 aggregate are also available.

Errors & Omissions Liability – A Package Choice Exclusive!

Protect your photography or videography business from the financial consequences of human errors or omissions with our exclusive Errors & Omissions Insurance.

When Errors & Omissions Insurance Applies:

Lost or Misplaced Media: If you lose or misplace film or a media drive, release it to the wrong party, or fail to attend an event.
Disputes Over Quality: If a client questions the quality of your work or your overall professional performance.
Coverage for Assistants: If a hired assistant or staff member makes a mistake during a shoot, you’re covered. Unlike competitor programs, we automatically extend coverage to the work of assistants and independent contractors.

Other Benefits of Errors & Omissions through Package Choice:

No Deductible: No out-of-pocket deductible is required when filing a claim.
Comprehensive Legal Support: Coverage includes payments for lawyers, expert witnesses, court fees, and outside investigators.
Reshoot Coverage: Funds may be provided to cover the costs of a reshoot, ensuring minimal disruption to your business.
Widespread Availability: Now available in all states, except Hawaii.

Transit Coverage

Optional coverage that protects your film and property while in transit with an approved common carrier, excluding the United States Postal Service.

Business Income Interruption & Extra Expense

If a covered property loss occurs, this coverage reimburses you for actual lost earnings for up to 12 months. It also covers additional expenses needed to continue normal business operations during the recovery period.

Available Coverage Extensions

Minimal limits for the following coverages are included in Package Choice and can be adjusted to fit your needs:
- Accounts Receivable
- Backup of Sewers & Drains
- Employee and ERISA Employee Dishonesty
- Money & Securities
- Newly Acquired Business Personal Property
- Personal Effects
- Contents Off-Premises
- Valuable Papers & Records / Film Coverage

Building (optional)

This optional coverage pays to repair or replace your owned building and any improvements, up to your policy limits. It covers most risks of direct physical loss.

Other Coverage Options and Policies

We offer a range of additional insurance options to protect your business and personal assets:
- Commercial Automobile Insurance
- Employment Practices Liability
- Umbrella Liability
- Workers’ Compensation Insurance
- Personal Automobile & Homeowners Insurance

At Package Choice, we provide specialized photographer’s insurance to protect your business from unexpected risks. Whether you need camera insurance to cover your essential equipment or comprehensive photography business insurance for liability and property protection, we’ve got you covered. Designed specifically for professionals in the industry, our insurance for photographers is flexible, affordable, and reliable. Focus on capturing your best shots while we take care of protecting your business.