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

MISCELLANEOUS EQUIPMENT:

Protects your cameras, lighting, computer equipment outside of your office and darkroom equipment against fire, theft, water damage, breakage, earthquake and much more. Coverage is worldwide and on a replacement cost basis for owned equipment. This differs from some policies that exclude coverage for theft from unattended vehicles, earthquake, that are limited to the United States and Canada or only provide coverage on a depreciated basis.

The ASMP Prosurance policy automatically includes a $35,000 limit for rented equipment including Hired Automobile Physical Damage (See Below).  This limit recognizes the growing trend to rent versus own equipment and the high cost of digital systems.  The valuation for rented equipment is legal liability and actual cash value for hired vehicles.  The standard deductible is $500 but a $1,000 option is available.

CONTENTS:

Covers business personal property that is situated within your office such as furniture, computer equipment, copy machines, fax machines and improvements & betterment’s.

HIRED AUTOMOBILE PHYSICAL DAMAGE:  

Protects against physical damage to rental cars with a limit of $35,000 for any one vehicle subject to a $500 deductible.  Coverage is Worldwide. (This coverage is included as part of rented camera equipment section of the policy.  One limit applies for both vehicle physical damage &/or rented camera equipment.)

NEGATIVE FILM & FAULTY STOCK, CAMERA & PROCESSING - $15,000 LIMIT:

This coverage pays for expenses to re-shoot the job due to lost, stolen, damaged film or digital imagery &/or film rendered unusable as a result of laboratory processing errors and/or camera malfunction.  Coverage is designed to cover a current job and you must actually re-shoot the job in order to collect under this policy section. This important coverage is provided on a worldwide basis.  Losses resulting from operator error are not covered. The standard deductible is $500.

Imagine that your camera bag were to be stolen after a shoot.  The loss suffered would be greater than just the value of your actual camera equipment as you may have also lost exposed  film and/or a digital storage device.   If your camera were to malfunction you might lose some or all of the images from the shoot or they may be unusable.  These are a couple examples of claims that would be covered under this section of the policy.  Please note, this  coverage section does not cover stock photography or the liquidated damage amount of $1,500 per image.

EXTRA EXPENSE - $10,000 Limit:

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.

NON-OWNED & HIRED AUTOMOBILE LIABILITY:

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.

PHOTOGRAPHERS PROFESSIONAL LIABILITY (ERRORS & OMISSIONS) - $1,000,000 Limit: 

For those members who meet the eligibility guidelines and complete an application, coverage can be extended to include copyright infringement claims as a result of errors and omissions.  An important policy enhancement for this type of coverage is that the defense costs are in addition to the policy limit.  (This is an optional coverage and subject to an additional premium.)

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.

DISABILITY BENEFITS (STATUTORY):

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.

EMPLOYEE DISHONESTY:

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.

NONOWNED AIRCRAFT LIABILITY: 

NONOWNED & HIRED WATERCRAFT LIABILITY:

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

POLITICAL RISK & CONFISCATION:

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

RAILROAD PROTECTIVE LIABILITY:

Cover obligations described in the railroad agreements.

UMBRELLA LIABILITY:

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

WORKERS COMPENSATION AND EMPLOYERS LIABILITY:

EMPLOYMENT PRACTICES LIABILITY: