Errors & Omissions Insurance for Photographers / Videographers
Photographer Professional Liability Insurance Coverage
Photographer Professional Liability Insurance (also known as Photography / Videography Services Errors & Omissions Insurance, or Photographer E&O) protects all types of photographers who sell or license their work if a client alleges that you were professionally negligent or failed to perform professional duties, or in the case of the failure of your work to perform as promised in your contract.
Photographer Service E&O Insurance is available for a wide variety of professional consultants, including:
- Freelance Photographers and Videographers
- Independent Contractor Photographers and Videographers
- Photography / Videography Agencies
- Digital Imagers
Photography Services Professional Liability Insurance Protects Your Business
The high cost of a legal defense could put your photography firm out of business. Your company's survival and your personal financial security depend upon protecting yourself against the impact of a lawsuit.
Almost any firm or individual that improperly performs services can cause a client to suffer an economic loss - and mounting a defense is expensive. The impact of even a baseless claim can be devastating. Would your company have the resources and expertise to defend against such a claim? Request a Quote
Why Do I Need Photographer E&O Insurance?
As a successful photographer, you are a trusted professional. Your clients count upon you for accurate and complete translations for business and personal reasons. An Errors & Omissions Policy insures the photographer or videographer in the event he or she commits an "error" or an "omission" while either out on a shoot or in the studio. The following scenarios can pose a real danger to your wallet:
- Making a mistake with scheduling
- Arriving at the wrong venue with no time to correct the error
- Personal injury to clients or models in the studio or on location (i.e., tripping over a piece of photographer's equipment, slipping as they arrive to your home or studio)
- Losing or damaging memory cards or film after completing a job
- Clients who decide they are unhappy with the work and sue to recover damages
- Images lost through shipping
- Images released to incorrect party
- Taking "compromising" photographs
- Invasion, infringement with rights of privacy or publicity
- Infringement of copyright, plagiarism or piracy
An Errors and Omissions policy does not erase a mistake, but it can help soothe the anger and disbelief of a customer -- and can even pay to completely re-stage an event, complete with tuxedos and fresh flowers if necessary. It helps protect the valued relationships you have developed by protecting both your client and your own financial security.
Mistakes Happen. Even the most skilled professionals are likely to make an error at some point. From human oversights to inadvertent miscalculations, many incidents can result in a lawsuit. This coverage protects photographers against liability for any errors and omissions they may create during the process of photographing or developing photos.
It can also protect you against errors or omissions over which you have no control. Delay in arriving at the proper venue, a shipping snafu, or the loss of negatives due to situations beyond your control.
You Can't Be All Places At Once. As your photography services firm becomes more successful, you may not be able to personally handle every aspect of each photo shoot. Errors & Omissions coverage insures not only your mistakes, but also the mistakes of the employees and independent contractors you hire. Request a Quote
What Is Covered by Photography Services Errors and Omissions Insurance?
Photographer Professional Liability Insurance includes legal defense costs - no matter how baseless the allegations. It will pay for any resulting judgments against you, including court costs, up to the coverage limits on your policy.
Clients, building landlords, popular reception halls, and even some churches may require that you and your subcontractors carry Errors & Omissions insurance. The right kind of E&O policy can protect both the photographer and subcontractors from claims of a perceived error or omission, even if the problem occurs months after the initial job. Request a Quote
Doesn't My General Liability Insurance Provide the Same Protection?
Errors and Omissions insurance coverage is not provided by a Commercial General Liability policy. Commercial General Liability does NOT provide coverage for errors, contract performance disputes or any other Professional Liability issues. Photographers and Videographers who have General Liability without Professional Liability (Errors & Omissions) coverage are taking a serious risk. It's like a doctor practicing medicine without Malpractice Insurance. Request a Quote
Customized Photography / Videography Professional Liability Insurance Coverage
Your Professional Liability Insurance policy can be customized to include:
- a business owners package that includes general liability insurance and property insurance
- options including coverage of Personal Injury claims
- defense costs outside the limits of liability
- deductibles beginning at $0
Contact Brunswick Companies today to request a photographer professional liability insurance quote.