PPA provides insurance options to 35,000+ photographers through Lockton Affinity and over the years, what’s become crystal-clear is this: the most convenient insurance solutions for photographers cover your business liability + your business property + your business equipment.
That’s why Lockton Affinity offers a Business Owner’s Policy for Photographers! It combines General Liability, Business Property, and Equipment insurance to give you all-around coverage.
Contact PPA's Insurance Partner, LOCKTON AFFINITY at 888.202.1526.
You should consider a Business Owner’s Policy if you:
BOPs do NOT cover the following:
Your BOP will cover buildings (rented or owned) as well as the contents inside a building. It also covers any business-owned items or items owned by a third party but kept temporarily in the care, custody or control of the business or business owner. Business property must usually be stored or kept in qualifying proximity of business premises (such as within 100 feet of the premises).
Your BOP will cover equipment such as cameras, lights, computers, etc. But it will also cover you in case of business interruption by covering the loss of income resulting from a fire or covered peril that disrupts the operation of the business. The policy can also include extra-expense coverage, which is to recoup the costs of operating out of a temporary location while the damaged location is repaired.
This protects you, the policy holder, from lawsuits caused by slip and fall accidents by a customer or third party, damage to a third party’s property, product liability and advertising injuries (copyright infringement). This is big, and this is why the Business Owner’s Policy for Photographers is so useful.
General Liability Insurance for Photographers | PPA | Professional Photographers of America
Yes, employees are covered by your General Liability Policy as long as a contract is in place. "Temporary workers", people hired to meet seasonal or short-term workload conditions are not covered.
However, PhotoCare, PPA's equipment insurance policy as well as Data Loss, Negligence, and Malpractice protection only cover the member who purchased the PPA membership.