Common and Unusual Photography Insurance Claims
Posted: January 25, 2024
Welcome back to the APA Insurance blog. Today we are talking about the insurance claims that have plagued many a commercial photographer. Well, on the less eccentric side of things, imagine a high-profile fashion shoot where the photographer's expensive lighting equipment got knocked over by a model doing an unexpected interpretive dance. Insurance could cover the cost of replacing those delicate lights. Then there's the...
Life Insurance for Photographers
Posted: January 15, 2024
Welcome back to the APA Insurance blog. Today we are talking about a topic most people don’t like to discuss…life insurance. Actually 45% of Americans don’t carry ANY life insurance which can be catastrophic to their business and family. Income Protection: As a commercial photographer, your income may fluctuate, and it's essential to ensure that your life insurance coverage reflects your earning potential....
New Year...Review your Photographer Insurance
Posted: January 8, 2024
Welcome back to the APA Insurance blog! Today, I want to shed some light on a topic that might not be as glamorous as capturing the perfect sunset or nailing that elusive portrait, but it's equally important: insurance coverage for photographers. Picture this: You're on a photo shoot, capturing magical moments, when suddenly disaster strikes. Your expensive camera takes a tumble, or worse, someone gets...
Workers Comp Explained and Why It's Important For Your Photography Business
Posted: June 27, 2019
Hey Photographers, Let's talk Workers Comp!This coverage will provide benefits, as specified by state law, to employees (freelancers subcontractors) for work related illnesses regardless of who is at fault. Typical covered expenses include medical expenses, healthcare costs, disability income benefits and death benefits. Please note most personal health/medical insurance policies do not cover work related injuries. If you have anyone working under your supervision/discretion and they...
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...