Skip to main content
  • Claims Center
  • Contact Us
  • Español
  • Brokers & Agents
Hiscox Insurance
Menu Toggle
  • Home
  • Small Business Insurance Toggle Menu Toggle Menu
  • Why Hiscox Toggle Menu Toggle Menu
  • Resources Toggle Menu Toggle Menu
  • Policy Management Toggle Menu Toggle Menu
  • Claims Center
  • Contact Us
  • Español
  • Brokers & Agents
  • About
  • Get a Quote Get a Quote
  • About
  • Get a Quote Get a Quote
  • Blog Home
    Start Your Business
    Grow Your Business
    Protect Your Business
    Celebrate Courage
    Search

    Twenty-Four Seven

    Sign up to get the latest small business news delivered right to your inbox.
    Close Close
    Protect Your Business
    June 15, 2012

    A photographer’s worst nightmare

    General Liability | Professional Liability
    By: Hiscox Blog

    Share Image

    Embed Image

    Copy

    Share Article:

    All photographers should consider two types of liability insurance to protect their businesses.

    Picture this. The wedding is over, and you’ve worked all night. It was a big affair, and your clients (the lovely bride and dashing groom) had the time of their lives with their relatives in from all over the country. You go back to studio to download the images and then . . . nothing. You check your computer, and nothing is downloaded. You check the camera – it was working fine at the reception – but the SIM card is cracked, and the pictures are gone. You don’t have a back-up. Now what?

    Luckily, you’ve got small business insurance. Never mind all the attempts you make to recover the pictures and pleading you make with your clients – nothing will please them other than making it right. But even if you can’t, and even if it’s not your fault, help is available.

    All photographers should consider two types of photographer’s insurance to protect themselves against this type of situation. Purchasing Business Owner’s Insurance (also known as a BOP) can help protect you against financial losses when electronic data (such as digital photos) are lost. If your equipment is damaged and that damage results in data loss, you can recoup the money you spend trying to restore that data, subject to your deductible. Most business owner’s Insurance comes with a base limit of $10,000 for this type of loss, and higher limits are sometimes available. As an added benefit, business owner’s Insurance policies also include general liability coverage to protect you in the event you are responsible for an injury to a third party or damage to some one else’s property.

    By purchasing professional liability insurance, you can also protect yourself from claims of negligence made by a third party, in this case, the bride and groom. Suppose your clients want to “recreate the day” by reassembling the bridal party and taking new photographs. They allege that you are responsible for the lost pictures because you did not properly back- up the photos and because of this, it’s your fault they were lost. But as you remember, many of their relatives were from out of town, and your client may demand that you pay for their travel expenses. In this case, a professional liability policy will protect your business and pay those extra travel costs on your behalf if such damages are alleged due to your negligence. Further, if your clients went on to sue you based on a covered claim, your professional liability policy would pay for an attorney to defend you, even if the lawsuit is groundless or frivolous.

    As always, it is important to check with your insurance professional about your coverage to make sure your business is protected. This way you, and your clients, will be able to sleep easier at night.


    Protect Your Business

    Protect the business you’ve worked so hard to build. Get a fast, free quote and your business could be covered today.

    Get a Quote
    Get a Quote
    Subscribe to our newsletter

    Related Articles

    4 Min Read
    Choosing the right business insurance for your small business

    How to choose the best insurance for my small business

    Insurance 101 | Management

    Do you have the right small business insurance coverage? Answer these six questions to find out.

    Read More

    4 Min Read
    Business continuity planning is essential for small businesses, learn the steps to create your plan

    Plan for the unexpected. How to make business continuity plans

    Management | Start up

    Don’t let your business become victim to obstacles beyond your control; learn how to create a business continuity plan – it’s essential to your business’ survival.

    Read More

    4 Min Read
    the impact the war in Ukraine has on small businesses

    The war in Ukraine – is there a risk to your business?

    Cyber | Management

    The war in Ukraine could pose a cyber risk to your small business that you haven’t considered. Read how you could be affected. 

    Read More


    We’re here to help.
    We provide tailored insurance for the specific risks you face, so you can take the right risks to grow your business.
    Get a Quote
    Get a Quote

    Footer menu 1

    • What We Cover
      • Business Insurance
      • General Liability Insurance
      • Professional Liability Insurance
      • Errors and Omissions
      • Cyber Security Insurance
      • Workers Compensation
      • Other Coverage
    • Who We Cover
      • Small Business Owners
      • LLC
      • Sole Proprietors
      • Entrepreneurs
      • Side Hustle
      • Contractors
      • Home Businesses
    • For Our Customers
      • Refer a Friend Program
      • Covid-19 Response
      • Claims Center
    • For Business Owners
      • Save with our Partners
    • About Hiscox
      • About Us
      • Careers
      • Contact Us
      • Hiscox Corporate
      • Investors
      • Foundation
      • Newsroom
      • We Stand Together
      • Affiliate Partner Program

    Footer menu 2

    • Accessibility
    • Site Map
    • Privacy Policy
    • Terms of Use
    • Legal Notices
    • Español

    Feefo Reviews: Hiscox rated 4.8/5 with 1,926 reviews between January 1, 2021 - January 1, 2022

    © 2022 Hiscox Inc. All rights reserved. Underwritten by Hiscox Insurance Company Inc., 30 N. LaSalle St., Suite 1760, Chicago, IL 60602. As of December 31, 2021, HICI had admitted assets of $1,250,758,353 and policyholders surplus of $332,792,666. Total liabilities were $917,965,687 (inclusive of $433,752,764 of loss reserves) and paid-up capital stock was $4,242,000.

    icon-facebook
    icon-youtube
    icon-twitter
    icon-linkedin