The finest photography insurance policies allow you to focus on your trade without worrying about liability claims or replacing damaged equipment, allowing you to capture moments that will last a lifetime. The best insurance for photographers is cheap, can be obtained quickly, provides access to documents, makes it simple to produce a certificate of insurance (COI) to a location where you are working, and has helpful customer service when questions arise. Furthermore, this article will explore the best photographer insurance and progressive photography insurance.<\/p>
Photographers require extensive photography insurance to protect their property, which typically includes expensive cameras and other equipment. They nevertheless require liability insurance in the event of an accident or injury, as well as motor insurance and professional liability insurance, to defend against negligence or incorrect advice. The following are the best insurance photographers:<\/p>
Unlike other photography insurance companies, Thimble gives you the option to get coverage for a single job or on a recurring monthly basis. Photography insurance can be purchased on a per-project basis using this method, allowing you to pay for protection just when you need it.<\/p>
Despite the fact that Thimble was created in 2016, their business insurance products are underwritten by third-party insurers who have been in business for decades. Markel Insurance Company and National Specialty Insurance Company underwrite the policies, both of which have an A financial strength rating from AM Best.<\/p>
Drone coverage is provided by Global Aerospace, Inc. We chose Thimble because of the flexibility of their photography insurance options, particularly the fact that you don’t have to pay for a year (or even a month) of coverage all at once. <\/p>
biBERK was chosen among the best insurance photographers because of the ease with which their customers can select policy features based on their needs. While biBERK is not a household name, you should be aware that it is a Berkshire Hathaway Company.<\/p>
As a subsidiary of Warren Buffett’s Berkshire Hathaway Insurance Group, BiBERK enjoys the support of an industry powerhouse. It was in 1839 that textile tycoon Oliver Chace laid the groundwork for what would become Berkshire Hathaway, now a Fortune 500 company with an A++ rating from AM Best.<\/p>
Researchers chose this firm as the best for policy customization since you can create your own policy with the exact coverage options you require.<\/p>
Because biBERK allows you to buy insurance directly, they guarantee rates that are up to 20% lower than competitors. They also let you personalize your insurance with the specific coverage features you require. <\/p>
Hill & Usher provides the best insurance for photographers, tailored to videographers, graphic designers, and web designers. Studio equipment, as well as cameras, liabilities, and other factors, are all protected by their insurance.<\/p>
Hill & Usher is a full-service insurance agency that offers the Package Choice photography insurance plan. It’s crucial to remember that depending on where you live, various insurance companies\u2014including The Hartford, CNA, Travellers, Zurich, Firemen’s Fund, and others\u2014underwrite Hill & Usher’s policies. Also, while you can start building a free quotation online, you’ll need to meet with an agent to determine how much you’ll pay for a policy with the coverage and limits you choose.<\/p>
Hill & Usher’s Package Choice was chosen for our rating because they provide particular coverage options for photographers who operate their own studio, which includes cover for the structure. Professional liability, coverage for cameras and professional gear, protection for computers and portable gadgets, business income insurance, and general liability are all options for photography insurance. <\/p>
While The Hartford is a good insurance company that you should consider whether you have employees or are a sole proprietor, we chose them for our rating because of their complete coverage for photographers and studio employees who are injured on the job.<\/p>
Established in 1810, Hartford is currently a leading provider of insurance for homes, cars, and businesses of all sizes. According to AM Best, Hartford has an A+ financial strength rating, so it should have no issue paying out claims..<\/p>
Additionally, Hartford has extensive employee coverage choices, which is critical for photography studios with several workers on their staff.<\/p>
While The Hartford is a wonderful option for photography insurance, whether you work alone or with a team, they stood out in our list because of their strong employee coverage options, which include professional liability and workers’ compensation. You can acquire a free quotation online, but you can also tailor your coverage by speaking with an agent over the phone or in person. <\/p>
The Hartford provides a variety of photography insurance policies, including those that cover employees and their activities, as well as general liability, commercial property, income, and computer interruption. If you run your photography business from home, you can also purchase specific coverage.<\/p>