Photographer’s Capture Happy Memories, but What if the Opposite Occurs?

August 02, 2013

A South Carolina wedding photographer’s camera was stolen. Do you have the right liability coverage if this happened to you?

The bride and groom’s big day has arrived! As their photographer, you’re charged with capturing the special moments from their wedding day. Everything went off without a hitch and now you’re preparing to edit the photos to present to the bride and groom. But unfortunately, the unimaginable happens. You might discover there was a malfunction with your memory card, or even that your camera was stolen, much like what recently happened to a South Carolina wedding photographer. Accidents happen no matter how much preparation takes place. So what can you do beforehand to ensure you‘re covered in case an accident does happen?

All photographers should consider purchasing small business insurance for protection against accidents. A business owner’s policy, also known as a BOP, includes up to $10,000 of coverage to replace or restore electronic data, such as the theft of a memory card containing digital photos. Note this does not cover any liability to your client for the lost photos. A professional liability policy is needed for this. What if your tripod scratches a floor in the reception hall or somebody trips on a plug while you’re recharging your camera? A BOP policy also includes general liability insurance coverage, which protects your business from third party claims for bodily injury, associated medical costs and damage to someone else’s property. Professional liability insurance can also be included as part of your photographers insurance portfolio. You’ll be protected against claims of negligence even if you haven’t made a mistake, such as a client suing for not having their wedding photos because your memory card fails. When deciding on the best way to prepare yourself for unpredictable accidents that may occur, check with your insurance provider to ensure you have the right coverage.