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Results tagged “Insurance for Photographers” from PPA Today

By Sarah Ackerman

From equipment to liability, medical to dental, PPA has all of your business's insurance needs covered. Did you know as a PPA photographer, you have a world of reduced-rate insurance programs available? Just by being a member, you can opt in to the PhotoCare program which covers up to $15,000 of equipment! 

In addition to PhotoCare (or PhotoCare Plus if you want to go above and beyond the $15,000), PPA offers programs to make sure you're covered with business general liability insurance through Lockton Affinity. You can grab a quote to see what you could save at InsuranceForPPA.com. This insurance can protect you and your business from bodily injury and property liability, real or alleged faults in your work that result in bodily injury or property damage, liability of personal and advertising injury. It's not the sexiest business topic to cover, but you know you need it to stay prepared. And through Lockton, you're covered for up to $1 million!

And as small business owners, it's important to have medical and dental insurance available for both you and your employees! PPAexchange is designed with you, the photographer, in mind with a diverse range of options, decision making assistance and more! Take a look around and see what best suits your company's needs today!

Explore the range of insurance options through PPA and see what you can save as you become more protected!

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Sarah Ackerman manages all things social media for PPA and Imaging USA. When she's not living on the internet, she loves improv comedy, going on wilderness adventures, gallivanting around the globe, knitting, wood working and yoga. 



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By James Yates
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As a member of PPA, you've got a virtual suit-of-armor surrounding you. It's the PPA Shield, and it has you covered on all sides.

That's (one of the) the advantages of belonging to an organization that's had photographers backs and that helps you be more profitable. PPA's protection benefits include various forms of insurance, advocacy and education:

•    Up to $15,000 of PhotoCare Equipment Insurance

•    Malpractice, Negligence & Data Loss Protection (PPA's Indemnification Trust)

•    Up to $2 million in General Liability Coverage

•    Copyright Kit, Copyright Infringement Tool, & Advocacy Updates 

•    Drone (UAS) News & Updates

When stuff hits the fan, and it always, inevitably does, professional photographers know that they have a strong shield protecting them with their PPA membership. The three forms of photographic insurance combine to keep you fully protected no matter what the situation. If you break your camera or it's stolen from your car? Be sure you've activated your PhotoCare! Have an unsatisfied client or did you lose all the data on your hard drive? PPA's Indemnification Trust is like malpractice protection for professional photographers. Did someone get hurt or something get destroyed on your shoot? General Liability Coverage can handle that.

You also need a way to cut through the clutter surrounding legal issues and PPA has positioned itself as the top authority on all things Drone and Copyright-related. For instance, did you know that it is only currently legal to operate a drone as a hobbyist? If you're using your drone for commercial or civil use, you must have an FAA exemption and a pilot's license. Didn't know that? It's just one more way PPA wants to keep you informed, in order to keep you legally protected. PPA consistently brings you updates from the FAA, and lobbies for the relaxing of commercial-drone-use. This summer should bring the changes we've been waiting for. Head over to PPA.com/Drones for all the latest details.

Stay up-to-date on all the progress PPA is making on Copyright issues and the implementation of new copyright law at PPA.com/Advocacy. Feel like you've been infringed upon or had your works of art stolen? PPA will protect you with our Copyright Kit and new self-assessment tool at PPA.com/Copyright. The new tool is a great way to learn how to proceed if you feel your photos have been lifted. It's easy to use, quick and painless...because having your work stolen is painful enough!

The next time you're feeling vulnerable or overwhelmed by everything life can throw at a small business owner, lean on your PPA membership and feel secure. Let PPA Be Your Shield! Find out how you and your photography business can Be More Protected with PPA! PPA.com/Protection.

Thumbnail image for Thumbnail image for Thumbnail image for James.JPGJames Yates is an Atlanta-based writer/actor and the Communications Specialist at Professional Photographers of America (PPA). A graduate of Georgia State University, James has worked in the non-profit sector his whole life and is proud to be able to help artists achieve their goals. In his spare time he can be found walking his dogs on the Beltline or partaking in the nightly theater and comedy scene in the ATL.


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By: Lauren Walters

Accidents happen -sometimes you may drop your camera or break a lens on the job. But what happens next? You have to pay out of pocket to fix or replace your gear and ultimately return to work. What if you didn't have to rely on your own savings account as an insurance policy? PPA can protect your photo gear with PhotoCare Equipment Insurance.

Why PhotoCare? Other insurance companies offer insurance policies that may fit your budget, but this one was crated for PPA, specifically to fit photographers' needs. Instead of going to a one-stop-shop general insurance company, PhotoCare Equipment Insurance will give you peace of mind; it's been created for photographers like you.



All PPA photographers receive up to $15,000 of equipment coverage as part of their membership--They just have to activate it (it's free) and PPA pays the insurance premiums! Best of all, it covers loss or damage of your professional equipment due to fire, theft or damage.

Don't risk your business or facing big out-of-pocket expenses. In the professional world it's not a matter of if but when, because things will happen! So if you're already with PPA, make sure you have activated your PhotoCare Equipment Insurance! To do so, go to My PPA and activate your equipment insurance!

Not yet a member? Join now and Be More Protected. It's that plain simple.

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By: Lauren Walters

PPA CEO David Trust was in DC the past two days advocating for photographers like you! He and PPA's copyright team in D.C., the Nickles Group, had a series of meetings with Representatives of Arizona, California, Georgia, Missouri, Utah and Wyoming and Senators from Los Angeles and Oklahoma who all have a say on the FAA's proposed rules for regulating the use of drones in the United States. The proposed rules are awaiting approval and are now in a 60-day comment period, during which PPA is working diligently to pull together comments for submission.  

The revised proposal indicates good progress for Photographers. The FAA proposes and approves the rules on drones; those rules are not legislation and do not require congressional approval. Currently, the said rules categorize drones into three physical size groups. PPA is mainly concerned with regulation pertaining to small and micro drones. A small drone is classified as 55lbs or lighter, and a micro drone is 4.4lbs or lighter.

The FAA's proposed rules would require professional photographers wanting to use small drones (less than 55 lbs) to take an aeronautical skills test and obtain a permit and renew that license every two years.  There would also be a one-time registration fee of $150. With 560 testing sites, finding a testing center should be easy. PPA believes the proposed rules for small drones to be a major step in the right direction as they eliminate the current requirement that commercial drone users hold an actual pilot's license. 

The proposed rules for micro-drones (4.4 lbs or less) are even more favorable as they require no skills test.  Photographers wanting to use micro-drones in their business would have to register and self-certify that they understand the FAA's aeronautical information manual.

We are still months away before the rules are finalized, yet solid progresses are being made in the direction of photographers. Want to weigh in? Please visit the discussion on theLoop about drones, it's a dynamic one! 

Drones are the hot topic at the moment, but Trust also had discussions on copyright reform and the Next Great Copyright Act, which are still under development. 

iStock_000020646903XSmall.jpgDon't miss out on this year's health insurance open enrollment period!

Are you familiar with the health insurance options available to you as a PPA member? PPA can help you and your family find affordable medical and dental insurance in your area.

The open enrollment period for qualified Health Insurance Plans began on November 15, 2014. We are very excited to announce that this year, several healthcare providers who chose to sit out last year and not offer plans, have now chosen to get back in. This is great news for you, as more competition amongst insurance companies goes a long way in keeping your policy premiums down.

Here are the important deadlines from healthcare.gov:

  • December 15, 2014: The last date to enroll for coverage that starts January 1, 2015
  • December 31, 2014: Date when all 2014 Marketplace coverage ends, no matter when you enrolled
  • January 1, 2015: The date 2015 coverage can start if you apply by December 15, 2014, or if you accept automatic enrollment in your 2014 plan or a similar plan
  • February 15, 2015: The last day to enroll in 2015 coverage. If you miss this deadline, you can't sign up for a health plan inside or outside the Marketplace for the rest of 2015. The only exception is if you qualify for a Special Enrollment Period.
Photographers who belong to PPA get many benefits, like the free print and digital versions ofthe award-winning Professional Photographer magazine so you can keep up with the latest photography techniques, products, and business advice, and also perks and discounts on photography products and services. There's 15 families of tangible benefits for photographers to be more profitable, more protected, more prepared, more inspired, more connected and more productive. 

You surely have access to some of these benefits on your own, but they'll cost you more! How come? Because PPA is a non-profit in the business of helping photographers, not stockholders. Plus, we're the only one able to negotiate rates for 27,000 people at once, and therefore, able to transfer the drastic savings down directly to you.

One of these benefits is PhotoCare Equipment Insurance. The next time your camera or lens breaks, you'll be thankful for your membership. The insurance won't avoid the stress, fear or the frustration an accident or a theft can cause, but knowing that this insurance is there should give you pure peace of mind. Price tag? $300+ to PPA, but nothing to you! Isn't that priceless?

Here's what makes PhotoCare so awesome: You get up to $15,000 worth of coverage on photography and video equipment due to theft, breakage or fire. This comes at no cost to you! You read that right! PPA pays the entire insurance premium, so other than the deductible, you'll pay nothing out of pocket as long as you're a PPA member (valid for U.S. and Puerto Rico-based Professional Active or Life members). 

Replacing broken equipment can break the bank, but with PhotoCare Equipment Insurance you won't have to stress nearly as much next time your camera, lens or other piece of photography equipment gets wet, dinged, dropped, cracked, smacked, frozen or stolen! 

What if you already have an insurance you're happy with, you ask? Simple: PhotoCare will act as a secondary insurance, filling the gaps where your insurance will leave you hanging!

And what if you want MORE than the $15,000 PPA PhotoCare coverage? There's an option for that too! PhotoCare Plus offers up to $100,000 of coverage and extends to theft of equipment in unlocked vehicles (yep!), mysterious disappearances (yep again!), and non-PPA member employee coverage (up to $1,000). That option isn't included with the PPA membership, but it's well worth it. Learn more about PhotoCare Plus here

Either way, we highly encourage you to read more about Photocare and check the FAQs. It will help you get the coverage you need and avoid any surprises down the road.

Also, check out the video below that explains more about how this equipment insurance works.


What if you've already joined PPA but not activated your insurance? Easy! Log in to PPA.com and opt-in through the My PPA section. Boom, $15,000 of equipment insurance just like that! The video below will walk you through how to opt-in; it's a really quick process that will only take a moment of your time. 


Stop stressing about your expensive gear or the risks associated with owning and hiding your stuff! We want you to be more protected, so that you can do more of what you love!

Join PPA today to opt-in or activate your coverage now if you haven't! It costs you nothing and it's a great safety net! Stay tuned to the PPA blog, as in upcoming weeks we'll be explaining even more of the benefits your PPA membership gives you, why they are here and what you're missing out on by not leveraging them!


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