Common Questions About Commercial Photography Insurance

You probably have questions about the best ways to insure your studio or commercial photography business. Here are a few of the most common questions we’re asked. Contact a Nationwide agent to help answer any other questions you have, or to receive a fast, customized policy estimate.

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 – Nationwide 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. Nationwide 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.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.