PPA Insurance Solutions

:: PPA Insurance Solutions

Accidents happen. Thefts happen. Things don’t always go as planned. But with PPA’s Insurance Solutions, you can protect yourself and your business even then. From your valuable equipment to your just as valuable reputation, see how these PPA exclusive benefits help you protect what matters most.

PhotoCare— Equipment Insurance Coverage for U.S.-based PPA Professional Active and Life members	Business General Liability
PhotoCare Plus— Equipment Insurance Coverage for any U.S.-based PPA member	PPA’s Indemnification Trust

PhotoCare—$15,000 of Equipment Insurance Paid for by PPA

PhotoCare Equipment Insurance is an exclusive policy purchased by PPA for eligible members (U.S.-based Professional Active or Life members) and administered through Lockton Risk Services, PPA’s exclusive broker. Simply put, we pay your premiums for you!

PhotoCare covers your cameras, lenses and other photography equipment, including computer hardware:

$15,000 of coverage paid for by PPA
Loss due to fire, theft or equipment breakage
Worldwide, off-premises or “on location” coverage
See more details here.
Read the PhotoCare FAQs.

Want to Get Covered? Opt In Today
In order to be eligible to file a claim through PhotoCare, you must be a U.S.-based PPA Professional Active or Life member…and you MUST opt in:

Log in to www.PPA.com with your user name and password.
Look under the My PPA tab (top left).
Click on the “Yes, I would like to opt in for PhotoCare Equipment Insurance!” (It will appear in the upper left corner of the page if you are eligible.)
Follow the prompts to download a copy of your PhotoCare Coverage Certificate!

PPA’s non-profit focus on our members’ success has led to the creation of this great benefit and others. No other professional photographic organization will pay your equipment insurance premium to help protect you when things go wrong—only PPA!

PhotoCare Plus—Equipment Insurance Coverage for Purchase

For PPA members who need more coverage than the $15,000 PhotoCare option, Lockton Risk Services offers PhotoCare Plus Equipment Insurance for purchase. All U.S.-based Professional Active and Life PPA members in good standing are eligible to purchase this exclusive policy.

PhotoCare Plus offers extended coverage and lower deductibles than PhotoCare, but you will pay the premiums (which vary according to your coverage):

Up to $100,000 in coverage
Coverage extends to include theft of equipment in unlocked vehicles, mysterious disappearances, and non-PPA member employee coverage (up to $1,000).
See the PhotoCare / PhotoCare Plus comparison.
Read the PhotoCare Plus FAQs.

Ready to buy or extend your equipment protection? Purchase PhotoCare Plus.

Business General Liability

If you are a smart business owner, you know that you need liability insurance. Think about it: If a client (or anyone) is injured during the course of your work, or if any property is damaged, you could be held accountable for the damages. Lockton Risk Services offers Business General Liability insurance policies to cover you for the following:

$1 million / $2 million limit
Liability arising out of bodily injury (on or off premises) as a result of your business activities
Damage to the property of others
Real or alleged faults in work completed by or for your business, resulting in bodily injury
Personal or “advertising” injury (such as libel, slander and invasion of privacy)

Learn more about this policy and purchase it here.

PPA’s Indemnification Trust

What about the situations where no insurance can really help? What about those times when the word "negligence" or "lawsuit" is thrown around? PPA has a special program to help members even then: the Indemnification Trust program, a unique malpractice protection program exclusively available to PPA members in both the U.S. and Canada. It is not insurance, but rather a trust fund established to help protect photographers from allegations of negligence.

The Trust covers situations such as:

Digital image data loss (corrupt media card or hard drive failure) relating to a paid contracted assignment
Failure of the photographer to be at the event or assignment at the specified time
Missed or missing images
Client dissatisfaction with services rendered during an assignment or as contracted

Learn more about the Indemnification Trust here.

All PPA members who identify themselves as wedding or portrait photographers are automatically enrolled in the Trust. If you are not a wedding or portrait photographer, you may opt out of the program by contacting PPA’s Customer Service Center at 800-786-6277.