Are You A Photographer Experiencing Higher Insurance Premiums? 💸
Posted: June 14, 2018
At APA Insurance Services, our sole focus is to work with pro photographers to shop the best rates and coverage for their business. Recently, I have seen a growing trend of rate increases for photographers for no particular reason, especially coming from those insured with other association-based insurance programs. This is where it’s important for photographers to know their options. There are a multitude of...
Why Pro Photographers Need Workers’ Comp Insurance
Posted: May 8, 2018
Many photographers often neglect thinking about workers' comp or simply assume it is already included in their Business Owners/Liability policy… but think again. How does it work: Workers' Compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of...
Which Photography Insurance Policy Is Right For Me?
Posted: January 14, 2017
Different Policies For Different Photographers When starting a photography business, insurance may be the last thing on your mind, but as you grow it will become more and more important. In our experience as professional photography insurance providers, there seem to be four key pieces of the insurance puzzle that really require some consideration in order to obtain the best coverage at the right price....
It's Not the Gear, It's the Mindset
Posted: January 7, 2017
It’s Not the Gear. It's THE MINDSET. We photographers and our gear are probably not living up to its the fullest attainable potential. Whether or not you have a full fledge DSLR or a simple first gen EOS-M with a kit lens. I can almost guarantee we have not explored all of our devices potential. Just like with our actual bodies, if we don’t push...
Who Is An Employee Under the Workers' Compensation Law?
Posted: December 15, 2016
Does Your Photography Business Need Worker's Compensation Coverage? As a business owner you have the responsibility of providing Workers' Compensation insurance. It differs by state, but is required across the board. In order to provide the correct coverage, you have to know who is considered employees within your business. This can be confusing at times, but there are 5 major factors that are considered when...