Insurance for Photography Businesses From the Lambert Agency

Photography pros, like their subjects, come in all shapes and sizes. For some, the focus is on families, brides and graduates, capturing life’s most special moments. Others create evocative images for advertising and marketing, presenting the client’s product or service in the very best light. Whatever the subject, we know you take your work and tools very seriously.

From studio space to the latest cameras and lenses, you’ve made an investment in your profession. So it’s important to make sure your investment is protected. The Lambert Agency offers insurance policies created specifically for studio and commercial photography businesses.

We offer a range of options and endorsements that allow you and a Lambert Agency agent to create a customized insurance package that covers precisely what you need, and nothing more. We’ll help you every step of the way, from a convenient, free insurance consultation (where and when you prefer), to a fast policy estimate and simple payment options.

Q. What specific kinds of insurance do studio and commercial photography businesses usually need?

A. It varies from business to business, but generally most photography-related businesses require:

• General Liability – This provides coverage in the event a customer would get hurt on your premises.
• Business Automobile Liability – Provides coverage for business-owned vehicles, or for you or your employees driving your vehicles for business purposes.
• Hired and Non-Owned Automobile Liability – Provides coverage if an employee drives their vehicle on company business or if the business rents a vehicle.
• Valuable Papers and Records Coverage – Protects you in the event of lost records, photo archives and more.
• Workers Compensation – Protects you against employee job-related injury claims.
• Business Personal Property Off Premises– Protection for your cameras and related equipment, such as lights, when on location.

Q. What type of coverage is often overlooked in my industry?

A. Equipment Breakdown – This insurance covers the cost to repair or replace equipment such as computers, lights and projectors.

Business Interruption – This covers loss of income due to a fire, act of vandalism, or other damage to your property that forces you to temporarily close. Your lost income will be paid until you are up and running once again.

Accounts Receivable Insurance – Provides coverage in the event your accounts receivable records are damaged or destroyed.

Flood Insurance – The Lambert Agency doesn’t offer flood insurance, but your agent can connect you to the National Flood Insurance Program, the government-sponsored insurance that offers up to $500,000 in coverage.

Q. I’ve invested a lot in my brand and my signage. Can I get insurance to cover my company’s signs?

A. If your sign is an important part of your visibility, we can cover it – from damage caused by vandalism, theft, lightning, car accidents and more.

Q. What is umbrella insurance?

A. It’s a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.

Q. If I have more than one location, do I need several policies?

A. No. The Lambert Agency covers all of your locations with one policy, saving you money and paperwork. Better yet, your liability limits apply separately at each if your locations.