You need business liability insurance AND equipment insurance - usually sold together. Some companies (hill and usher) have photograph-specific policies and some are general business policies. What exactly each company/policy covers will be different, so call around and get COPIES of the policies and read them over CAREFULLY!
I went with Zurich insurance. I'm covered for liability (slip and fall, lights falling on someone, etc) as well as damage to a venue (scratching a door, floor, etc). I am covered against employee theft, cash on hand at my house and in transit (on teh way to the bank or when shooting on location). I am covered against being sued for my advertising (what? That bride's maid in the image is upset that you've put her on your website?).
My camera gear is covered, but so is my computer, software, car and stuff in it when on a job (my car insurance specifically states I cannot use it for work purposes...check yours! You back into the limo you won't be able to lie (aka FRAUD!) and say you were a guest at the wedding...). I don't need to itemize by serial number (a common thing with photographer specific insurance).
I'm covered against my drains backing up!, loss of income if my business suffers a loss and a whole lot more.
FOr $1 to $2 million in liablity coverage (each company has their own minumum) and $15,000 in gear runs $500 ish, sometimes more. At least when I was checking 2 years ago everyone was pretty similar on what they charged, but not on what they covered!
|
