As a photographer, you spend your career capturing life’s most important moments. From documenting history to helping families make lasting memories, the life of a photographer can be incredibly exciting, painstakingly demanding, and at times, seemingly thankless.
Whether you are photographing a private event, running a corporate shoot, or working in the field, making a simple mistake (or simply being accused of one) can put you at risk of a liability lawsuit. Professional liability insurance for photographers (also known as Errors and Omissions insurance) will cover you in the event of a lawsuit, as well as providing resources to help quell any claims of negligence before they do serious damage to your business.
Common Risks for Photographers
No photographer ever sets out to do harm to their clients. However, in a trade so personal — yet so misunderstood — minor errors or miscommunications can quickly draw severe responses and accusations. This can result in legal action that can cost you thousands, and put your reputation at risk.
Take a look at some of the most common liability claims levied against photographers and some sample scenarios:
Third party late delivery
Your third party printer does not print your client’s pictures on time. Your client is now holding you accountable for receiving their pictures late.
Failure to follow guidelines
Your client has requested that you capture specific moments of their wedding. You fail to photograph every occasion they asked for. The client is now suing you for not meeting their requests.
Lost or damaged prints
You have misplaced your memory card containing your client’s photos. The client is now holding you accountable for their missing pictures.
Because of unforeseen events, you arrive late to a major event or a project comes in well-above budget. The client believes you failed to properly prepare and is holding you accountable.
Of course, in a field that often means interacting with a diverse range of clients in unpredictable environments, these are only a handful of the scenarios in which photographers need professional liability insurance.
Who Does Cover Advantage Protect?
Everyone thinks they are a photographer. While we all may be able to take some cool shots on our rented DSLRs or slap a pretty filter on our Instagram pics, the skillset of a professional photographer reaches far beyond what most can even imagine.
Within the industry, there are a wealth of specialized roles that photographers play. Take a look at some of the most common types of photographers that need E&O coverage:
Bottom line: if you film or photograph events or individuals in any form of contractor-client capacity, Errors and Omissions insurance may be able to prevent you from unnecessary risk.
Get a Quote. Get Covered.
A career as a photographer is one that can offer you incredible diversity, freedom, and financial success. Don’t let a single mistake or false claim bring all of that to a screeching halt. Get a free quote and secure coverage completely online in minutes.