PPA Membership Benefits / Insurance for Professional Photographers / Photographer General Liability Insurance

No one likes to think about worst-case scenarios, but everyone should. Accidents can and do happen, and not just the kind that damage equipment.

 

What Does Photographer General Liability Insurance Cover?

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:

  • Bodily injury and property liability whether you’re at your own studio or on location
  • Real or alleged faults in your work that result in bodily injury or property damage
  • Liability for personal and advertising injury
  • Up to $2 million aggregate ($1 million per occurrence)

Liability Insurance Coverage for Drones & Unmanned Aircraft

We have created an endorsement to provide you with liability coverage for your drone-related activities.

  • Coverage has to be purchased in conjunction with PPA’s General Liability coverage
  • Operation of the drone must be in connection with a paid assignment for your business
  • Defense coverage is included inside the limit of liability
  • Coverage extends to Bodily Injury and Property Damage of others
  • Limit options of $50,000 and $25,000
  • Annual premiums of $150 and $100

Why is General Liability Insurance Important?

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.

How Much Does Photographer General Liability Insurance Cost?

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.

Does General Liability Insurance Cover Photography Equipment?

General Liability Insurance does not cover photography equipment but Photography Equipment & Camera Insurance as well as Data Loss, Negligence, and Malpractice protection are included free as part of PPA’s member benefits.

Are Staff Workplace Injuries Covered?

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.

Is PPA’s General Liability Insurance Available to Non-Members?

No, PPA's General Liability Insurance is only available to PPA members due to our partnership with Lockton Affinity. 

PPA membership is a good investment to both protect and grow your photography business. Other PPA Member Benefits include:

Policy administered by PPA's Exclusive Insurance Partner:       

Randy McNeilly
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