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Shopping for business insurance? Look no further – Nationwide offers a
portfolio of competitive insurance policies for photography businesses.
Let’s Talk About Protecting Your Photography Studio
Listed below are some of the more common worries and concerns shared by both studio and commercial photographers, along with some ways Nationwide can help. When you’re ready to speak to an agent, find one using our Professional Locator.
For more information about business insurance, be sure to check out our Insurance Glossary and Common Questions.
| Your Worries | The Solutions | |
|---|---|---|
| What you think about | How you can help yourself | How Nationwide can help |
| A customer slips and damages an expensive, hand-painted backdrop. |
Review Nationwide’s Avoiding slips, trips and falls Safety Bulletin | |
| What if a customer is injured while in my studio for a photo session? |
Your clients and visitors don’t know your studio as well as you do; make sure you take precautions to prevent slip and fall hazards Review Nationwide’s Studio Photography Safety Checklist | General Liability Coverage Medical Payments Coverage Business Umbrella Coverage |
| What if my camera gets knocked over and breaks? | Your clients and visitors don’t know your studio as well as you do; make sure delicate equipment is out of their way until you need it | Property Coverage |
| What if my camera malfunctions or the portraits I shoot are unusable? | Make sure your equipment is working properly and well maintained |
Photographers Professional Liability* (*Nationwide does not offer Professional Liability Coverage for photographers, but we can work with a partner company to help you find coverage.) |
| What if my studio is damaged in a fire before my busiest season, the holidays? |
Install a central station fire alarm system Utilize Nationwide’s Loss Control representatives who are available to review your property and make recommendations at no charge | Business Interruption Insurance Property Insurance |
| What if my photography studio is broken into after hours, and money and camera equipment are stolen? |
Install a monitored burglar alarm system Make frequent bank deposits to limit the amount of money on hand after hours Review Nationwide’s Crime Prevention Tips Safety Bulletin |
Money and Securities Crime Coverage Property Coverage |
| I have employees who run business errands, such as dropping off prints to clients, or picking up developed proofs. Is my business protected if they are in an accident? |
Work with your agent to obtain frequent driving record checks of
employees Review Nationwide’s Driver Distraction Safety Bulletin Review Nationwide’s Business and Personal Auto Use Safety Bulletin | Business
Automobile Coverage Non-Owned Automobile Liability Coverage |
| I keep back-up copies of all digitial images shot by the studio on my computer. What if a fire breaks out destroying my original files and my back- up copies? |
Keep backup copies of images offsite in a secure location such as a safety deposit box |
Valuable Papers and Records Coverage Computer Coverage |
| What if a power surge or interruption of electrical service outside my business causes breakdown of my equipment and systems? |
Utilize surge protection devices to protect your electrical
equipment |
Utility Services Coverage Equipment Breakdown Coverage |
| I have a number of employees and want to avoid any issues with discrimination, harassment or wrongful termination. |
Outline policies and procedures regarding discrimination and
harassment in your employee handbook Review Nationwide’s Hiring Practices/Employee Selection Safety Bulletin | Employment Related Practices Liability Coverage |
| What if my photography studio business is held up during the day, and employees and customers are robbed at gunpoint? |
Maintain a monitored alarm system Review Nationwide’s Crime Prevention Tips Safety Bulletin | General Liability Coverage Workers Compensation Coverage |
| My outdoor sign is very important for advertising my business. What if something were to happen to the sign? |
Have a regular maintenance program in place for your outdoor
property Make sure you purchase a sign that can withstand the elements in your area. | Outdoor Sign Coverage |
| I’m located in a mall, and my business depends on foot traffic brought in by the anchor store. What if that store suffers fire damage and is closed while the repairs are done? | Develop an on-going advertising program to create destination traffic to your door | Dependent Properties – Business Income Coverage |
| I have a darkroom at my studio and do some developing. Do I need to be worried about the use of chemicals? |
Make sure you follow all safety procedures for handling, storing and
disposing of chemicals Take advantage of Nationwide’s free Online Safety Courses |
Workers Compensation Coverage
Property Coverage |
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.
