What is Photography Insurance?
Being a professional photographer is a rewarding career path, but it comes with certain inherent risks. For example, a photographer can have equipment stolen, be sued for damages incurred during an accident, be sued by a model or face any number of other perils. Photography insurance doesn’t prevent disasters, but it helps financially protect photographers in Vermont if a covered incident does happen.
Photography insurance policies are specialized commercial insurance policies that have been designed to meet the needs of photographers and similar professionals. So that they can provide an array of protections, most photographer policies are written as package policies that come with a number of individual protections.
Who in Vermont Needs a Photographer Insurance Policy?
Generally speaking, most photography studios and professional photographers located in Vermont ought to consider purchasing a photographer insurance policy. This typically includes:
- Freelance and self-employed photographers
- Wedding photographers
- Travel and wildlife photographers
- Portrait studios
In addition to still photographers, videographers frequently also can benefit from the protections offered by a photographer policy. Although there are technical differences between photography and videography work, the risks that professionals in each line of work are often similar and this type of policy is normally well-designed to protect against those risks.
Anyone who wonders whether a photography policy truly does meet their risk mitigation needs can speak with an insurance agent who specializes in photography policies and is familiar with other commercial coverage options.