As a photographer in Sacramento, you’re hired to photograph an event. You’re being trusted to take the best photos, but can you trust your insurance?
As an independent photographer, you’re a trusted professional who gets hired to photograph key events. You could be working for a media outlet or photographing a family wedding. Either way, your clients rely on you to document important occasions and safeguard often irreplaceable images and moments. If you’ve been fortunate enough never to have your data compromised, you’ve escaped the blade of misfortune for now. It, unfortunately, happens to everyone and it’ll happen during the worst time. Here is what you need to know regarding your photography business and the insurance you need to protect it and yourself.
General Liability Coverage.
Every business needs to have this essential coverage. If your lighting equipment falls and hits someone, you could face a lawsuit. This coverage will protect you from medical bills, property damage, or any legal fees you may accrue.
Data Compromise Coverage.
If you store data on your business computer, this kind of coverage will protect you from any lawsuits that result from the data being lost due to a faulty memory card and hard drive. If you’ve never encountered an angry client, we recommend you purchase this insurance for the general safety of your business.
Business Property Coverage.
If you consider yourself a professional, you’ve likely invested tens of thousands of dollars in your state-of-the-art equipment. If any of these pieces of equipment were damaged or stolen, your business could be in serious peril. Coverage like this could help replace all or at least part of your equipment.
Your photography is more than just a business; it’s a passion! Protect your hard work by purchasing the correct policy. Contact Purves & Associates Insurance Services, serving Davis, Sacramento, and surrounding Northern California areas. We can help with all of your photography business insurance needs to keep you and your camera protected.