Running a business today means being online—sharing files, communicating with clients, and managing payments. But with that convenience comes a growing risk: cybercrime.

From phishing emails to ransomware attacks, cyber threats are no longer rare—and small business owners like photographers are often the ones targeted. That’s why PPA is now offering Cyber Insurance as an optional add-on benefit through Lockton Affinity. It’s extra protection designed specifically for your photography business.

But before we dive into what that includes, let’s talk about some of the real-world risks photographers face online.

Why Cybercriminals Target Small Businesses

Think cybercriminals are only going after big companies? Think again. Small businesses are often seen as easy targets because they don’t have the same resources for cybersecurity. 

Here are just a few ways a photographer’s business could be impacted:

• Phishing scams that trick you or an employee into clicking a harmful link or sharing login info
• Ransomware attacks that lock your files—like client galleries or contracts—until you pay a fee
• Stolen client data, including names, addresses, or payment info
• Social engineering schemes that convince you to send money to someone impersonating a client or vendor

These scams are designed to feel real. Photographers are busy and all it takes is one moment of distraction, and you could find your business locked down or your reputation at risk. 

The Real-World Consequences

Cybercrime can hit your business in more ways than one:

• Financial loss from stolen funds or paying a ransom
• Downtime while you recover or restore access to important files
• Loss of trust from clients whose information may have been exposed
• Legal headaches if sensitive data is compromised

And even if you have strong passwords or outsource your IT, that doesn’t always stop cybercriminals. Many attacks exploit human error—something no firewall can prevent entirely. We're not trying to scare you, we want to be fully transparent. These are events that could have devastating consequences, and they are ones we really want to avoid. 

A Safety Net for the Digital Age

That’s where cyber insurance comes in. It’s not just about reacting to a problem—it’s about being ready for one.

PPA Cyber Insurance is available at a discounted rate through Lockton Affinity and provides:

• Support during and after a cyber attack
• Help recovering data (especially important in ransomware situations)
• Guidance on managing the fallout with your clients
• Financial protection to offset losses or damages

This add-on coverage isn’t included in your membership automatically, but it’s available to all PPA members who want to boost their protection and feel more secure in the digital world.

Stay Ahead of Cyber Threats

You’ve worked hard to build your business—protecting it from digital threats is part of the job now. Take the time to learn about cybercrime risks, talk to your team, and consider whether PPA Cyber Insurance is right for you.

Sources

Senhaseugra, 32 Cybersecurity Stats You Can’t Ignore in 2025.

Federal Communications Commission, Cybersecurity for Small Businesses.

U.S. Small Business Administration, Strengthen your cybersecurity.