The Professional Photographer Resource Center for Understanding Risks and Coverage
RISKS YOU FACE
I UNDERSTAND YOUR RISKS
and I have solutions
Someone breaks into your studio and steals your expensive photography equipment
Business Personal Property coverage will replace stolen or damaged contents and repair the damage from the incident, up to the limits you select. Your insurance covers your loss at what it would cost you to replace the items, up to $1M or more based on your needs.
You are on your way back from a photo shoot and are involved in an accident. Your camera is damaged.
Photographic Equipment Off-Premises covers equipment that you own while away from your premises, up to $5K per item; $25K per occurrence.
You take pictures of a wedding, but when you develop them, you notice that most are not turning out
Miscellaneous Professional Liability* provides protection for the legal obligations arising out of professional errors, negligent acts or omissions.
You are sued because someone visiting your office slipped and injured themselves on a mopped floor
General Liability provides coverage for injury to others at your premises and helps protect you from lawsuits (available up to $2M per occurrence; $4M aggregate)
A fire destroys the roof of your studio and you cannot operate your business until repairs are made
Business Income & Extra Expense provides up to 12 months of coverage for loss of income and fixed expenses while the business is closed due to a covered loss. Extra Expense can help set up the insured at a temporary location during repairs.
A pipe bursts and leaks all over a filing cabinet containing your critical documents
Valuable Papers & Records covers up to $50K for damage or destruction of important documents used in your business.
that's focused on you
Photographers concerns are different from those of a florist or a medical office.
I understand your unique business risks. As a small business owner myself who specializes in helping photographers, I am a resource you can trust.
I know you're busy touching up photos, managing your photography crew, and capturing important moments with your camera. Ensuring that you deliver top quality products to your customers is your number one priority. So leave the business protection to me.
Let me help design and price an insurance policy based on your specific needs and provide you with other solutions to effectively run your business so you can focus on what is important to you... your customers and your craft.
As insurance agents specializing in protecting Photographers, we're here for you.
For more than 80 years, we've been there for customers when something goes wrong. Today, we're also here to help when things go right - with protection, tools, and personal service from a team of insurance professionals who understand your industry.
Business insurance for photographers.
We get that running your business is more than just getting that winning photo. It's hard work and persistence. Our team of photographer practice leaders are here to navigate you to the right insurance program. Let's see what develops for you and your business.
"I use Allstate with a specific agent who specializes in photographers insurance. They have reasonable pricing with coverage customized for your needs. Fantastic service when I managed to tip over my tripod having my 5D and Nikon 500mm F4 wind up in the lake. Even though I pulled it out in a matter of seconds, it was a total loss and never a problem getting the claim resolved. The agent is Howard Burkholz and has a wonderful team."
"Allstate just gave me a settlement offer on Wednesday and it was more than I was expecting, so I am a very happy. Thank you for all your help and checking in, it was much appreciated. Out of the 4 insurance companies that I have been dealing with in this horrible loss, you are the only one reach out to see how things are going. I will make sure everyone on the San Francisco photographers FB group know how well you and Allstate took care of me."
“Thank you so much for coming out to our Phoenix Chapter meeting last night and speaking with us. Your presentation was fantastic and we all gained a wealth of knowledge for our business. Your business insurance presentation clarified and demystified so many aspects we thought we understood on this part of our business. We appreciate your taking the time to share with our group and look forward to working with you in our ASMP Phoenix Chapter.”
Robert R., Arizona
David D., N. California
Susanne S, Phoenix
Years of Experience
your trusted resources for business insurance
We know most photography businesses are small businesses just like my agency.
Sometimes during peak seasons - like wedding season or the holidays - you might have between 20-30 employees, but that might not be the norm. We understand that your photography studio sometimes includes additional photographers, a business manager, who oversees all aspects of operations, hired hairdressers and make-up artists who prepare clients for photo sessions, sales people, and photo assistants. In short, you have to trust a lot of people so you have the best shot at growing your business.
We know small business. We are small business. We care. And we want to help.
Not only are we a team of commercially certified agents, we are also small business owners, too. Through our agencies, we help protect over 2600 photographers in the area. Contact us today for better protection and value for your photography business.
Toll Free: (877) 485-8600
We are licensed to serve all 50 states (limitations in some coastal area's).
Customized Protection for Professional Photographers and Each Specific Artistic Approach
for your small business
Get peace of mind with the free Commercial Locker business inventory app.
American Society of Media Photographers is the premier association dedicated to the advocacy of professional photographers.