Civil liability insurance for photographers covers damages due to the alleged lack of provision of the contracted services or the incorrect provision of them. As a professional photographer, you need to have insurance to protect your assets and cover any potential risks. General liability insurance is necessary in case you are sued for an injury or property damage, while property insurance is needed for the valuable equipment being used. Photo insurance protects your commercial and personal assets, such as cameras, lenses, computer, lighting equipment, accessories, etc.
Professional liability insurance, also known as errors and omissions insurance, protects small businesses against the costs of customer lawsuits for unsatisfactory work. It's an excellent choice for professional photographers who care about protecting themselves and their businesses. Workers' compensation can pay for medical bills and a partial loss of salary if an assistant photographer gets injured during a photo session. Cyber liability insurance is also something to consider if you accept credit cards, store customer information digitally, or carry out your business activities online or in the cloud.
Professional liability insurance covers many of the major risks in the photography and video industry, but it doesn't offer complete protection. This is why a professional photographer should buy insurance for their photography business.