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, coverage is now included with a Full Plus PPA membership.
PPA General Liability Insurance, administered by Lockton Affinity covers you for:
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 included with your PPA membership for $428. Membership includes General Liability coverage, Photography Equipment & Camera Insurance as well as Data Loss, Negligence, and Malpractice protection. Your membership can be paid all at once or broken into 2 payments of $214.
** Other taxes and fees may apply; costs may vary based on specific application information.
If you live in the United States (NY excluded), don’t currently have a General Liability policy, and take in $125,000 or less in annual revenue, yes; you are eligible for Full Plus membership. But don’t worry. If you don’t meet the above requirements, you can still purchase General Liability through Lockton Affinity; it just won’t be included in your 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.
Yes, as long as a contract is in place, they are covered by your General Liability Policy. However, PhotoCare, PPA's equipment insurance policy as well as Data Loss, Negligence, and Malpractice protection only cover the member who purchased the PPA membership.
Let's face it. Running a photography business costs money! A PPA membership is an investment in yourself and your business that pays for itself. For less than a dollar a day, you’ll gain invaluable access to cost savings, benefits, resources, education, and networking. Join our growing membership of over 30,000 photographers and rest assured – we've got you covered.
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