Photography Insurance in Vermont
What is Photography Insurance?
Professional photography work is rewarding, but it comes with certain inherent risks. Photography insurance policies help protect professional photographers in Vermont form many of the risks that they’re exposed to.
Photography insurance policies are specialized commercial insurance policies which have been uniquely developed to meet the risk mitigation needs of professional photographers. Policies are generally package policies, which means they come with several coverages, and photographers can often adjust the coverages in a policy to suit their particular needs.
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“I just wanted to take a moment to let you know how great I think Caroline Collins is. – Every time I call to update my policy(and I have updated it a lot over the years) Caroline has been nothing but amazing to deal with. She takes care of all my needs in real time which is amazing. She is very personable, always respectful, extremely knowledgeable, and just all around awesome to deal with. I truly enjoy dealing with her and think she is a huge asset to your business from where I sit.”
“Friendly and prompt – I have been with T.S Peck for many years and have no complaints with their trusted service. They have always taken a friendly approach to their craft and are always willing to answer all of my questions!”
“We Contacted T.S Peck Insurance to inquire about auto insurance/ After with with Jake, we explored combining our auto and home insurance, in turn realizing a big savings.”
“When I called for a quote, my agent was personable and helpful. He always got back to me quickly with answers, which is extremely important. The entire process was handled in a timely manner and was able to meet my expectations and beyond.”
“Jake Hynes and the folks at T.S. Peck have been awesome to work with! As a recent start-up, we were new to the “buying business insurance” scene. One phone call and all our concerns were laid to rest. The service has been great and the prices are very competitive. We recently price shopped again and found we were still in the best hands!”
Who in Vermont is Photographer Insurance Right For?
Most photo studios and photographers working professionally in Vermont should consider purchasing photographer insurance. This includes aspiring and established professionals, and it extends to portrait, wedding, landscape and wildlife photography. In certain cases, clients may even require photographers to carry insurance before they can be hired for jobs.
In addition to photographers, videographers might also want a photographer policy. An insurance agent who’s familiar with these policies will be able to determine whether a policy can be adapted for a videographer’s situation. Sometimes a policy can be adapted because the fields are similar, but other times a videographer-specific policy is necessary.
What Coverages Are Available Through Photographer Insurance Policies?
There are a number of coverages that a photographer insurance policy, depending on its terms and conditions, might offer. Some of the more common protections include:
- Equipment Coverage, which may cover cameras, flashes, backdrops and other gear
- Inland Marine Coverage, which may cover equipment and gear while it’s being transported
- General Liability Coverage, which may cover common (non-vehicle) accidents a photographer is responsible for
- Professional Liability Coverage, which may cover work-related errors and mistakes
- Employment Practices Liability Coverage, which may cover employment-related issues
- Data Compromise Coverage, which may cover compromised digital files
- Business Interruption Coverage, which may cover revenue losses caused by disasters
Policies frequently also offer building coverage to studios that need it.
Do Photographer Policies Offer Commercial Auto Coverage?
Photographers who drive to customer or shoot locations generally need commercial auto coverage, and there are a couple of kinds that photographer policies may offer. Traditional commercial auto insurance is normally used to insure company-owned vehicles, while hired and non-owned auto insurance may be appropriate if employees drive their own vehicles for work.
Self-employed photographers who drive to site locations in their personal vehicles might be able to adjust their personal policies to cover this driving, or they may have to switch to a commercial policy.
An insurance agent who’s familiar with photographers’ common coverage needs can help determine what form of commercial auto coverage is best for a given situation.
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For questions or concerns, please contact our independent insurance agents.
Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403
Office: 158 Lake St,
St Albans, VT 05478