PPA Insurance Solutions
PPA Insurance Solutions
Stuff happens. Stuff like accidents and theft.
Protect yourself with PPA's Insurance Solutions. These incredibly awesome benefits help you protect what matters most: from your most valuable equipment to your invaluable reputation. Check'em out.
- PhotoCare Equipment Insurance
- PhotoCare Plus
- Business General Liability Insurance
- Medical & Dental Insurance
- Indemnification Trust
PhotoCare Equipment Insurance
Activate Your Free PhotoCare Insurance Now! PPA pays the premiums for YOU!
No other professional photographic organization will pay your equipment insurance premium to help protect you when things go wrong—only PPA!
PhotoCare Equipment Insurance is a policy purchased by PPA for eligible members (U.S.and Puerto Rico-based Professional Active and Life members) and administered through Lockton Risk Services, PPA's exclusive broker. This protection 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
- U.S. and Puerto Rico-based Professional Active or Life members are eligible
- See more details or read the FAQs.
Start your protection now.
In order to file a claim through PhotoCare, you MUST activate your coverage by opting in! (You know what that means, right? You have to say, "Yes, I want this!" in order to be protected.)
Take two minutes to do it now (if you're a U.S. and Puerto Rico-based PPA Professional Active or Life member). After all, $15,000 in FREE protection is worth that much of your time, right?
- Log in to www.PPA.com with your username and password.
- Look under the "My PPA" tab (your Loop home page )
- Click on the "Yes, I would like to opt in for PhotoCare Equipment Insurance!" (It will appear in the bottom left "My PPA" section if you are eligible.)
- Follow the prompts to download a copy of your PhotoCare Coverage Certificate!
Want this coverage? You gotta be a member! Join PPA.
Want even more coverage? get PhotoCare Plus.
PhotoCare Plus
If you need more coverage than the $15,000 that we automatically offer our members, Lockton Risk Services offers PhotoCare Plus Equipment Insurance. It provides extended coverage and lower deductibles than PhotoCare, but you will have to pay the premiums yourself (which vary according to your coverage, but are still super-affordable):
- 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).
- All U.S. and Puerto Rico-based Professional Active and Life PPA members in good standing are eligible to purchase this exclusive policy.
See the PhotoCare / PhotoCare Plus comparison or read the PhotoCare Plus FAQs.
Ready to extend your equipment protection? Purchase PhotoCare Plus.
Business General Liability Insurance
If a client (or anyone, for that matter) is injured during the course of your work, or if any property is damaged, you could be held accountable for the damages. That's why you need more than equipment insurance if you're running a business, my friend.
Lockton Risk Services offers Business General Liability insurance policies to cover PPA members 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.
Medical & Dental Insurance Brokers
Finding good medical and dental coverage for self and family can be tough for anyone (and not much fun), which is why PPA has partnered with Pallay Insurance Agency for help finding the best!
Pallay Insurance Agency is independent and represents a number of leading medical and dental insurance companies. What does that mean for you? They can help you choose from a number of companies for plans* that best fit your coverage and budget needs. Even better? After a plan is purchased, they will be there to assist you with any premium, coverage or claims assistance you may require from your new insurance company! (Talk about the hands-on approach.)
Pallay's insurance brokers can help you find the best…
- Medical Insurance
- Short Term Medical Insurance
- Limited Medical Insurance
- International Travel Medical Insurance
- Medicare Supplement Insurance
- Prescription Drug Plan
- Dental Insurance
- FREE Prescription Drug Discount Card
For more information, and to receive free, no obligation quotes, members should contact Pallay Insurance Agency by phone toll-free at 888-549-8533, or learn more about PPA Medical and Dental Plans here.
*Coverage not available in all states.
PPA's Indemnification Trust
At some point, every one of us will fall victim to Murphy's Law — the idea that everything that can go wrong, will go wrong. But we're here to help.
PPA members in the U.S. and Canada are eligible to get a type of malpractice coverage (our Indemnification Trust) in case something goes wrong that is generally considered your responsibility, such as equipment malfunction or unsatisfied clients (like the infamous Bridezilla).
With the Indemnification Trust you:
- Call PPA's customer service center (800-786-6277) and report a claim.
- Set up the claim with the Member Care Professional, who contacts the law firm of Meadows & Macie, the most experienced attorneys in the world at defending professional photographers.
- You will be contacted by the attorneys really quickly (usually within 24 hours when possible), and they help covered members with their expert advice and guidance.
- Don't worry about your PPA rates going up after filing a report with the Trust; all members pay the same participation fee, regardless of the number of reports filed.
Trust attorneys will help you defuse an issue or a potential problem with a client. And we've got your back even if your problem cannot be resolved without litigation:
- The Trust will appoint and pay for local attorneys to defend you.
- The Trust will pay any damages awarded to your client.
- You only pay a small deductible.
- You will never pay an attorney's bill.
We hope you never have to use this benefit, but if you do, it can help save your reputation, business, and money. Get even more info on how this benefit works.
And remember: Accessing the Trust does not mean that you are taking a step towards litigation or that you'll automatically be billed for the deductible. Many times the Trust can help you successfully resolve a situation without going to court and at no cost to you! Simply put, if the Trust doesn't have to cut a check on a claim, you don't have to pay out any money!
