TAYLOR & TAYLOR ASSOCIATES

Still Photographers

Arranging insurance protection for a still photo shoot is as essential as organizing the proper crew, securing adequate locations and renting equipment. A well thought out insurance program will help to protect your shoot from the financial consequences of damage to or destruction of raw film or exposed film; damages as a result of faulty stock, faulty cameras, faulty lenses or faulty processing; replacing stolen or damaged property as well as defending lawsuits. These are just a few examples of the types of losses that our photographers insurance coverage can protect you against. If you are interested in obtaining a premium quotation, please complete our Still Photographer Application.

The following list provides an introduction to some of the valuable coverages that are available for still Photographers.

PROPERTY INSURANCE

Photographers Package Policy

Negative Film & Videotape
Faulty Stock, Camera & Processing
Props, Sets & Wardrobe including Jewelry, Furs, Fine Arts and Antiques
Miscellaneous Rented Equipment
Extra Expense
Third Party Property Damage

The premium is based upon your annual Gross Billable Expenses

LIABILITY PROTECTION

Commercial General Liability
Directors & Officers Liability
Employee Benefits Liability
Employment Practices Liability
Errors & Omissions Liability
Fiduciary Liability
Foreign Commercial General Liability
Non-Owned Aviation Liability
Non-Owned & Hired Watercraft Liability
Railroad Protective Liability
Umbrella Liability

BUSINESS AUTOMOBILE

Non-Owned & Hired Automobile coverage including:

Non-Owned & Hired Automobile Liability
Hired Automobile Physical Damage
Foreign Non-Owned & Hired Automobile Liability
Foreign Hired Automobile Physical Damage

Owned Automobile coverage including:

Business Automobile Liability
Statutory Personal Injury Protection
Additional Personal Injury Protection
Uninsured Motorist
Underinsured Motorist
Comprehensive
Collision
Rental Reimbursement
Towing & Labor
Drive Other Car Coverage (DOC)
Foreign Business Automobile Liability

EMPLOYMENT COVERAGES
Workers Compensation & Employers Liability
U.S. Longshoremen & Harbor Workers Act
Jones Act
Voluntary Compensation
Statutory Disability Benefit Income Coverage (Mandatory in NY, CA, NJ, RI, HI & Puerto Rico)
Foreign Workers Compensation

MISCELLANEOUS

Animal Mortality
Camera Equipment (Owned)
Civil Authority
Contractual Hold Harmless Agreements
Electronic Data Processing Hardware and Media
Employee Dishonesty
Indemnification Agreements
Loss of Use (lost rental income due to equipment downtime)
Monies & Securities
Non-Owned Aircraft Physical Damage
Non-Owned Watercraft Physical Damage
Off Premises Power Interruption
Office Contents
Political Risk & Confiscation
Pollution Liability
Special Effects, Pyrotechnics or Stunts
Weather Coverage (usually ten days advance notice is required)

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