Benefits / Resources / Articles
May 19, 2017

3 “No-Brainer” Ways to Be More Protected With PPA

iStock_000018508366Large.jpgPPA members know they have a virtual suit-of-armor surrounding them. It's the PPA Shield of protection, and it has you covered on all sides: gear, liability, negligence and data loss recovery matter what goes wrong. These are the three big ways PPA's forms of photographic insurance keep you fully protected, save you money, and help you Be More. 

Coverage- if you break your camera or it's stolen from your car, then no worries! If you've activated PhotoCare, you're covered! 

Did you know you can get up to $15,000 of photo equipment insurance INCLUDED when you join PPA? PhotoCare Equipment Insurance is included with the PPA Professional Active membership. All you have to do is activate your policy. PPA pays the premium for up to $15,000 just in case  you lose your photo gear, computer, tablet, or printer to fire, theft, or breakage.. And, you get worldwide coverage while on location. With a first loss deductible of only $250 (excluding breakage), it can pay big to opt-in to PPA's PhotoCare Equipment Insurance. PhotoCare Plus is also available for members to purchase and covers up to $100,000 on the same damages as PhotoCare, in addition to coverage for mysterious disappearance and non-PPA member employee coverage. PhotoCare Plus will also insure your drone if it falls from the sky.

Assistance- If someone got hurt or something was destroyed on your shoot, General Liability Coverage will handle it.

At some point, we all fall victim to Murphy's Law- the idea that everything that can go wrong will go wrong. Did your lighting setup fall over on someone's aunt at the wedding? Did little Cousin Billy break his arm when he tripped over your extension cord? We hope you never have to use this benefit, but if you do, it can help save your reputation, business, and a LOT of money. Nearly all commercial and event shoots now require general liability insurance coverage. It's incredibly affordable to get the protection you need, and you can even get up to $2 million for less than 62¢ a day! Drone Photography Liability Insurance is also now available as an add-on to your existing policy. It covers bodily injury and property damage caused by an FAA-certified drone photographer while on a paid assignment. In the event of a chain reaction, your insurance will also cover the non-drone, additional damage.

Peace-of-Mind- Got an unsatisfied client, or lost all the data on your hard drive or SD card? PPA's Indemnification Trust is like malpractice protection for you. 
Have you ever faced angry clients whose images all just disappeared from your hard drive? PPA is here to help. PPA photographers get a type of malpractice coverage, called PPA's Indemnification Trust, which comes included in the membership and helps when things go wrong like data loss, equipment malfunction, mistakes, or unsatisfied clients. The Trust can step in and guide you through the claim process, pay for data recovery services if needed, negotiate and pay any settlement, prepare you for court if needed, appoint local counsel at the Trust's expense if necessary, and pay judgments for most types of damages awarded to your client if things end up in a court. In summary, the Trust covers and protects all Professional Active members at no cost after they clear their small deductible. 

The next time you're feeling vulnerable or overwhelmed by everything life can throw at a small business owner, lean on your PPA membership, because it truly has your back. Let PPA be your shield! All these benefits and more are available for you to save money and be more profitable. Find out how you and your photography business can Be More Protected at