An important benefit of our still photographers program is there is no charge for standard certificates of insurance.
Below are brief descriptions of some of the standard and miscellaneous coverages available.
Employment Practices Liability
Provides protection from lawsuits by employees claiming sexual harassment, wrongful termination and discrimination.
Errors & Omissions Liability
Provides protection against lawsuits alleging professional negligence such as infringement of copyright, trademark, service mark, trade name, trade secrets, title, or slogan; defamation, invasion of privacy, or publicity rights; false advertising, idea misappropriation, or breach of implied contract. Defense costs are typically included within the policy limit. Coverage forms can vary widely from one insurance carrier to the next so it is extremely important that you carefully review your policy language to determine the scope of coverage being provided to you.
Covers the additional expense incurred to complete your photo shoot should your cameras, props, sets & wardrobe and/or location sustain direct damage from a covered loss. Coverage can be extended to include mechanical breakdown of cameras, generators and computerized systems to control cameras.
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.
Provides protection for your legal liability resulting from lawsuits alleging that your business caused bodily injury or property damage to a third party. The coverage territory is the United States and Canada. One of the important aspects of this coverage is that it affords coverage both on your premises and locations within the policy territory.
Hired Automobile Physical Damage
Protects against physical damage to rental cars. Coverage is worldwide when included as part of the rented camera equipment section of the photographers package policy. The valuation for hired vehicles is actual cash value.
Loss Payee & Additional Insured
A Loss Payee is a person or organization that has a financial interest in the property given or leased to you and for which you have agreed to provide the insurance. By adding a Loss Payee endorsement, both signatures are needed on a claim check in order to cash the check. The loss payee thereby maintains control of the insurance claim proceeds.
An Additional Insured endorsement extends your liability policy to cover another person or organization for bodily injury and/or property damage claims resulting from your negligence. Since the insurance carrier is now protecting more than one business or individual, there may be an added premium for this coverage.
Provides protection for cameras, lighting, computer equipment, darkroom equipment and related gear. The valuation is legal liability for rented equipment and replacement cost for owned equipment. . Coverage forms can vary widely from one insurance carrier to the next so it is extremely important that you carefully review your policy language to determine the scope of coverage being provided to you. Important perils to consider are fire, theft, water damage, flood, breakage, earthquake and theft from unattended vehicles.
Negative Film & Faulty Stock, Camera & Processing
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 can be provided on a worldwide basis. Losses resulting from operator error are not covered.
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.
Nonowned Aircraft Liability
Bodily injury and property damage for which you are legally liable that is caused by an occurrence arising from the occupancy, operation or use of the non-owned aircraft, by you or on your behalf.
Non-Owned & Hired Automobile Liability
Protects an employer for bodily injury or property damage claims that arise from use of a hired, borrowed, or rented vehicle. Coverage is limited to the United States and Canada.
Nonowned & Hired Watercraft Liability
Bodily injury and property damage arising from the maintenance, loading or unloading of watercraft.
Covers business personal property that is situated within your office such as furniture, computer equipment, copy machines, fax machines and improvements & betterment's.
Political Risk & Confiscation
Claims arising from foreign governments, including but not limited to the seizure and confiscation of your property.
Props, Sets & Wardrobe
Protects you for damage to or theft of owned and rented property that is being used as part of your photographic set. There is a sublimit for Jewelry, Furs, Fine Arts, Antiques, Precious Metals and Objects of Art.
Railroad Protective Liability
Cover obligations described in the railroad agreements.
Third Party Property Damage
Protects against unforeseeable damage to a location in your care, custody & control while the location is being used temporarily as part of a photographic set.
Covers losses in excess of the limits of employers liability, commercial general liability, owned and nonowned automobile liability.
Workers Compensation And Employers 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.