By combining three basic insurance coverages that are important to almost every small business, including photographers and videographers, a Business Owner’s Policy can save your company money on insurance rates while safeguarding the photography and video services business that is your livelihood.
Photography and videography businesses often store employee and customer information including Social Security and debit/credit card numbers.
Data Breach Insurance Coverage helps pay the costs of notifying impacted individuals handling public relations, good faith advertising, and more if personal information is lost or stolen from your photography or videography business.
It’s possible for a video and photography studio’s current or former employees to sue for claims of wrongful discipline or termination, wrongful failure to promote, discrimination or harassment. For example, if a former employee of your photography or video studio claims he was terminated for discriminatory reasons, Employment Practices Liability Insurance may help cover the costs related to the claim.
If an employee of your photography business or video studio claims that there was a mistake in how his benefits were administered, Employee Benefits Liability insurance may help cover the costs of the claim. For example, if an employee claims your company did not correctly enroll him in your benefits plan, Employee benefits liability from The Hartford may help cover the cost to your business associated with the claim.
If you are working outside of your place of business and a customer’s property is damaged while in your care, custody or control, Limited Care, Custody or Control Property coverage may help cover the costs related to the damage claim. For example, if you are having a meeting with a client at their kitchen table and you accidentally damage that table, this coverage may help cover the costs your photography & video business incurs due to the damage claim.
Business Income Insurance Extension for Cloud Service Interruption may help replace business income your photography and video studio loses if there is an interruption in your cloud service. For example, if your photo and video studio rely on cloud services to store and transfer media files and that cloud service goes down, you may be temporarily unable to do business. This coverage from The Hartford may help replace lost business income caused by a cloud service interruption.
Bundle Insurance Coverage for Photography and Video Studios
Stretch Your Dollar
It’s easy to increase your Business Owner’s Policy protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key insurance coverages. For photography or videography businesses we offer:
Super Stretch for Business Services
Contact an agent
or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right small business insurance coverage for your photography business or videography business.
Other Important Insurance Options for Photography & Video Studios
If you have employees, use a car for work, or work from home, your photography and video studio business may also benefit from:
Required by most states, workers’ compensation insurance provides benefits to employees of your photography business for work-related injuries or illnesses. These benefits include medical care, wages from lost work time, and more.
And if a worker’s family should sue you, workers’ compensation insurance coverage can help you with related legal fees. Businesses, including photography studios and videography studios, have been turning to The Hartford for workers’ compensation insurance coverage for more than a century.
Do you use your car to pick up supplies for your studio, transport equipment to a photo shoot, visit clients for consultations, or more?
A Business Auto Policy provides Commercial Auto Insurance coverage usually not included in a personal auto insurance policy. It can help cover you – or an employee – when an owned vehicle, used for your photography or videography business’s purposes, is involved in an accident.
If you run your photography or videography business out of your home, you probably want a Business Owner’s Policy (BOP). A Business Owner’s Policy provides coverage not usually available with a homeowner’s insurance policy.
Ask yourself, “Do I shoot or edit photography or videography for work at my home, do I receive packages or mail for my business at my house, do I have employees at my home, or customers coming to my home? If so, your agent or a representative from The Hartford can help you select the right coverage to protect your photography and video business.
View More Coverages