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© 2019 AdvisorAgency.com, Inc. In California "Howard Burkholz Insurance Agency" #0K23532. Professional Photography Photographers insurance is available in

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Representing Allstate, Hartford, CNA, Liberty Mutual, USLI, Travelers, Scotsdale, and more. Photographers drone insurance offered through RLI.

Major Medical - Self-Quote Here

Accident/Sickness, Disability, Life, Critical Illness

Most of our photography clients don't carry Workers Compensation on themselves. They carry Major Medical insurance but with a $5,000 or $10,000 deductible it becomes a big financial burden if they are injured on or off the job. The solution is Accident, Disability, Sickness, and/or Critical Illness coverage. Call us 877-485-8600 and will explain the many options. Or, complete the form below and we will prepare a customized proposal for you.


You decide how to use the cash benefits! Cash benefits provide you with greater options because you get to determine how to use them. Use cash to help meet major medical deductible and protect your HSAs, savings, retirement plans and 401(k) from being depleted. Use cash to pay for expenses while receiving treatment in another city. Use cash to help pay the mortgage, continue rental payments, or preform needed home repairs. Use the lump sum cash benefit to pay your family's living expenses such as bills, electricity and gas.


There are four different products available:

ACCIDENT & DISABILITY* (SICKNESS rider optional) - Benefits include Hospital Confinement, Ground or Air Ambulance, Accident Physician's Treatment, X-ray, Urgent Care, Emergency Room, Outpatient Physician's Benefit, Accidental Death, Dismemberment, Functional Loss, Lacerations, Burns, Paralysis, Coma with Respiratory Assistance, Open Abdominal or Thoracic Surgery, Ruptured Spinal Disc Surgery, Eye Surgery, General Anesthesia, Appliance, Blood and Plasma, Medical Supplies, Medicine, Prosthesis, Broken Tooth, Tendon, Ligament, Rotator Cuff, and Knee Cartilage Surgery, and more. Benefits are paid on a schedule payment benefit (not the actual bill from the medical service provider) directly to you.


Example - Insured is riding a mountain bike, crashes and breaks leg with eight weeks of disability. Plan could pay $200 Hospital Confinement per day, Initial Hospital Confinement $1,000, Ambulance $200, Medical Expense $500, X-ray $400, Fractured Femur $4,000, Laceration $50, 3 days Follow-up Treatment $150, Disability Income $2,400 per month (Maximum 6 months). TOTAL PAYMENT TO INSURED $8,900.


SAMPLE PLAN COST - $53.59 per month Individual ($86.47 per month with sickness disability income)

DISABILITY* Benefits include payment to insured for the policy period 6 months, 12 months, or 24 months.

SAMPLE - 58 year old female, 14 day elimination period, $1,800 per month benefit, 12 month limit - $94.56 per month.

SAMPLE - 49 year old male, 14 day elimination period, $5,000 per month benefit, 6 month limit - $188 per month.

SAMPLE - 45 year old male, 14 day elimination period, $3,000 per month benefit, 24 month limit - $172 per month.

CRITICAL ILLNESS* Benefits include a lump-sum cash payment when diagnosed with a covered critical illness; wellness an recurrence coverage is also available. Critical Illnesses include heart attach, stroke, Bypass Surgery, End Stage Renal Failure, Heart Transplant,  Angioplasty, Stent Placement, Major Organ Transplant, Paralysis, Alzheimer's Disease, Multiple Sclerosis, Cancer (optional rider).

SAMPLE PLAN COST - 39 year old male, non-tobacco user, $20,000 lump-sum cash payment - $9.35 per month ($15.76 per month with Cancer rider.)

LIFE INSURANCE - 10, 15, 20, and 30 year term life insurance.

SAMPLE PLAN COST - Female, 35 years old, 10 year term, $500,000 Preferred Health Classification - $22.00 per month

SAMPLE PLAN COST - Male, 45 years old, 10 year term, $500,000 Preferred Health Classification - $40.92 per month

*Product available when bundled with Allstate's Business Owners Policy (BOP)