The following list provides an introduction to some of the valuable coverages that are available under the Prosurance Package. It is interpretive only and is not intended to replace or supersede any of the terms and/or conditions of the policies comprising the insurance program. In case of specific interpretation of coverages, you need to refer to the actual policies. Please contact us for a copy of the policy.

If you are a member of ASMP and you are interested in obtaining a premium quotation, please complete our Prosurance Package Application.

Protects owned cameras, lighting and darkroom equipment against fire, theft, water damage and much more. Coverage is on a worldwide and replacement cost basis up to the scheduled value.

Protects your office furniture and any leasehold improvements and betterments.

Covers additional expenses above and beyond normal expenses as a result of damage to your premises from a covered loss.

Covers the expenses incurred to reshoot film that is lost or stolen.

Protects property of others while it's on your premises or in your possession. This feature can be extended to include transit and location coverage and high value articles such as furs, jewelry and silverware. Most people mistakenly believe that their liability policy will provide property damage to other peoples property in their care, custody or control.

Covers the cost (25 images, up to $2,500) to reproduce prints, slides, chromes, tear-sheets and similar self-promotional material. The basic policy covers 25 images at $100 each.

Bodily injury and/or property damage coverage for your described premises and on locations in the U.S. and Canada. This does not cover property in your care, custody or control used as a prop or rented and/or borrowed camera equipment (see Camera Equipment and/or Bailee). This coverage differs from what is commonly available in the marketplace. The policy has been expanded to provide property damage coverage to a temporary photographic location in the photographers care, custody or control.

Bodily injury and/or property damage coverage resulting from claims or suits arising out of the use of autos not owned by the photographer while in the U.S. and Canada. This does not cover physical damage to the auto you are driving.

Protects against copyright and trademark infringement claims arising from the photographers photographic and visual images.

If you are a member of ASMP and you are interested in obtaining a premium quotation for this coverage, please complete our Photographers Professional Liability Application.

MISCELLANEOUS COVERAGE:

Covers the statutory disability benefit if an employee is injured or gets sick while NOT at work. States requiring this benefit are: New York, California, New Jersey, Rhode Island, Hawaii and Puerto Rico.

Theft of your property or money by an employee or a person entrusted with the possession of your property.

Sexual harassment, in wrongful termination and discrimination.

Bodily injury and property damage where the injury or damage occurs outside the U.S. or Canada and the claim is brought in a foreign jurisdiction. Additional coverage available under the Foreign Liability policy includes Foreign Non-Owned & Hired Automobile Liability and Foreign Hired Automobile Physical Damage and Foreign Workers Compensation including repatriation and endemic disease.

Physical Damage to a vehicle rented for business use.

Theft of money and securities by a person other than your employee or person you have entrusted to handle this money or securities.

Bodily injury and property damage arising from the maintenance, loading or unloading of aircraft.

Bodily injury and property damage arising from the maintenance, loading or unloading of watercraft.

Claims arising from foreign governments, including but not limited to the seizure and confiscation of your property.

Cover obligations described in the railroad agreements.

Covers losses in excess of the limits of employers liability, commercial general liability and nonowned automobile liability.

Covers injury to employees and workers under your control when injured at work in the performance of work duties. Available by endorsement: U.S. Longshoremen & Harbor Workers Act, Jones Act and Voluntary Compensation.