First, almost all event organizers and venues require photographers they hire for their event or work on their premises to carry a minimum of $1,000,000 in General Liability coverage.
Second, it provides protection for you and your business in the event you are sued. General Liability Insurance covers you for these claims against you and your business. For example, this insurance protects your business if the mother of the bride trips and breaks her ankle during your shoot. It also covers property damage, such as if a light stand tips over at a client’s house and damages an antique painting.
It covers any damage to a client, third party or property that you may be held accountable for. And thanks to a partnership between Professional Photographers of America and Lockton Affinity, you can get coverage for $225 per year with an active PPA membership.
PPA General Liability Insurance, administered by Lockton Affinity covers you for:
We have created an endorsement to provide you with liability coverage for your drone-related activities.
For photographers and videographers, a business owner’s policy typically costs $42 per month, or a median annual premium of $504. With PPA and Lockton Affinity, you can get coverage for $225 per year with an active PPA membership.
General Liability Insurance does not cover injuries for staff members. It only protects your photography business for injuries and damage to third parties. You will need a workers' compensation insurance policy to cover your employees.
No, PPA's General Liability Insurance is only available to PPA members due to our partnership with Lockton Affinity.