Overview
Why Do I Need Liability Coverage?
Whether you have a studio or work off-site, it’s important to protect your livelihood against unforeseen incidents such as claims of bodily injury, personal injury, and/or property damage. Even if the charges are false or fraudulent, the policy can provide first dollar coverage for legal defense and other court related costs.
In addition, many venues require photographers to provide their own liability insurance when working on site. When required, event hosts or venues can be added an Additional Insured on the policy at no additional cost.
What Coverage Is Available*?
- Limits of $1,000,000 for each occurrence and up to $2,000,000 of aggregate coverage. (A popular coverage amount. Higher limits can be requested.)
- Legal defense and other court-related costs, even for false or fraudulent claims, are paid on a first-dollar basis
- Worldwide liability coverage for photo or video shoots can be considered.
- Inland Marine coverage can be quoted for cameras, camera equipment, computers, and other miscellaneous types of equipment such as lighting, stands, etc.) including rented or borrowed equipment.
- Crime coverage for employee dishonesty, forgery, alteration, and money and securities (inside or outside).
- Hired and Non-Owned Auto coverage is available.
- No Liability Insurance Deductible!
Priced for You
Since no two Photographers are alike, and gross annual receipts are considered, each application is separately reviewed for a premium quotation. The cost of this coverage may also vary by the state in which you, or your business, reside.
What Types of Lawsuits Might the Plan Cover?
Some examples are listed below for suits arising out of:
- Bodily injury which occurs on or off premises as a result of your negligence;
- Damage to property of others resulting from your photography business activities;
- Personal injury and advertising injury, including libel, slander, defamation of character, false arrest, invasion of privacy, detention and malicious prosecution;
- Products liability including issues with printed photographs or final video production, or the sale of food and beverages at functions incidental to your business;
- Host liquor liability when serving or giving alcoholic beverages at functions incidental to your business provided that no permit or license is required prior to serving alcohol;
- Real or alleged faults in work completed by or for your business which resulted in bodily injury or property damage;
Defense against such suits even when the charges made are groundless, false or fraudulent.
Contact Information
We’re here to help! Please contact us in whatever manner is most convenient for you.
Address
AMBA
PO Box 14542
Des Moines, IA 50306
Phone
Hours
Monday - Friday 8:00 AM - 5:00 PM CT
Frequently Asked Questions
Who should apply?
Any individual amateur photographer wanting to protect their investment or professional photographers who operate their own small business or work as an independent contractor. Liability exposures are covered both in and out of your studio.
Where is coverage available?
The Named Insured must have a U.S. based physical address. All coverage options may not be available in all states.
What are the coverage limits?
Commercial General Liability coverage is provided as follows:
- Each Occurrence Limit: $1,000,000
- Products/Completed Operations Aggregate Limits: $1,000,000
- General Aggregate (Other than Products/Completed Operations): $2,000,000
- Premises Rented to You (Property) Limit: $100,000 (up to $1,000,000 if approved during application review)
- Medical Expense Limit: $5,000 (up to $20,000 if approved during application review)
- Hired and Non-Owned Auto Liability (additional cost): $1,000,000
How can I learn more about this plan?
You may contact us via email at amba.service@getamba.com or at 1-800-503-9227, Monday – Friday, 8am to 5pm (CT).
* The material on this website explains the general purpose of the insurance but in no way changes or affects the policy that is actually issued. Complete details may be found in your insurance policy.