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The Lowest Liability Insurance Rates Ever - Now Available! - PPA Today

The Lowest Liability Insurance Rates Ever - Now Available!

Liability Insurance can be purchased as an add-on to coverage included in PPA membership


PPA and partner Lockton Affinity, LLC, have reduced liability insurance rates for PPA photographers from $289 a year down to $236.

"This new rate is a huge deal for PPA photographers," said Kristen Hartman, PPA director of member value and experience. "It makes our liability insurance one of the most affordable out there for small businesses. We recommend all of our members get this extra coverage. In fact, many venues will require that photographers have it."

PPA's general liability policy is there for photographers in case a client or anyone is injured or if any property is damaged while on a shoot. In these instances--the photographer could be held responsible for damages and that means thousands of dollars in reparation or worse, legal battles. Some examples include if a client trips over a light and injures their arm, or the photographer backs up too far a knocks over a vase. That's where the liability insurance comes in.

"If something bad happens and the photographer is held responsible, it could be financially crippling," said Hartman. "This insurance is another way PPA protects photographers. Liability insurance is a great thing to have in your back pocket, as bad things do happen.

"It's important to note that liability insurance is not what most photographers currently think they have. It's different than home owners insurance, business insurance, or even equipment insurance, but it is much needed protection, especially for event photographers."

Lockton Affinity, LLC is a wholly-owned subsidiary of Lockton Companies (the world's largest privately held insurance brokerage firm) and is dedicated exclusively to the administration of insurance programs for associations, franchises, professional organizations and other affinity groups. Lockton Affinity designed for PPA a unique insurance program to meet the insurance needs of PPA photographers.

PPA's general liability insurance covers PPA photographers for up to $1 million per occurrence with a $2 million aggregate limit. For more information visit


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About this Entry

This page contains a single entry by Professional Photographers of America (PPA) published on May 4, 2015 7:26 PM.

Recap of PPA April Advocacy trip to DC was the previous entry in this blog.

Drone Update: New Drone Regulations Statement from the FAA is the next entry in this blog.

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