Standard Liability Policy

for Photographers

Starting at $99

Accidents happen. If someone falls over your camera bag, are you protected? We know that as a photographer your job often involves equipment setup that may cause trips, slips, or falls. Our Liability Insurance is designed to protect the insured photographer against lawsuits arising from third parties claiming bodily injury, property damage, personal injury or advertising injury. RVNA offers Errors & Omissions Insurance as an option when Liability coverage is added. RVNA's Standard Liability Insurance offers optional limits of $1,000,000/$2,000,000 up to $2,000,000/$2,000,000 per occurrence/annual aggregate. Did you know that with RVNA's Liability Insurance, Non-Owned & Hired Auto is also included?

STANDARD LIABILITY FAQs

Liability is one of several coverages available to photographers with a single or multiple photographer operation. Coverage is extended to any employee of the named insured including other employed photographers operating a photo shoot on behalf of the named insured. Coverage does not extend to independent contractors subcontracted by the named insured photographer.

Liability provides Commercial General Liability insurance protection, up to the specified limit, for sums which the insured photographer becomes legally obligated to pay as a result of business operations on the insured photographer’s premises or on the premises of others such as the venue. Liability is available with optional limits and defense costs supplemental to, or in addition to that limit. Subject to policy language, Commercial General Liability coverage is provided for the following:

  • Bodily Injury Liability
  • Personal Injury Liability
  • Property Damage Liability
  • Damage to Premises
  • Products Liability
  • Host Liquor Liability
  • Hired and Non-Owned Auto Liability
  • Medical Payments (subject to a $5,000 limit)

Photographers Professional Liability and Errors & Omissions extends the General Liability coverage to protect against lawsuits arising out of copyright infringement, trademark, trade name, title, slogan, false advertising, idea misappropriation, invasion of privacy/publicity right, or defamation as a result of errors and omissions. RVNA offers a limit of $1,000,000 with defense costs in addition to the limit. The limit for Photographers Professional Liability/Errors & Omissions is included in, and not in addition to, the General Liability limit.

The geographic limitation of almost any insurance contract is described by its policy territory. The territory of this particular policy is anywhere within the United States and Canada. There is no reporting requirement as to where a photo shoot is to take place provided it is within the definition of the policy territory.

The time limitation of almost any insurance contract is defined by its inception and expiration date and time (at some specific location). This limitation is known as the policy period, which in this instance is one calendar year.

This program has specific exclusions usual to this form of general liability insurance. It must be understood that this is only a summary. It is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding these exclusions, or this summary, should be directed to R.V. Nuccio & Associates, Inc. at 1.800.364.2433. There is NO coverage, or coverage is excluded for:

  • Owned Automobile Liability
  • Owned Watercraft Liability
  • Owned/Non-Owned Aircraft Liability
  • Property Damage Liability to any real or personal property which is in the care, custody or control of the insured photographer
  • Any and all sums that would be recoverable under a Workers Compensation insurance policy whether or not such policy exists
  • Any activities other than photography.

For the purpose of this insurance, an employed photographer is one that must be supplied with equipment in order to perform the photo shoot at the venue.

An independent contractor photographer is one that has their own equipment necessary to perform the photo shoot at the venue, and does not have to be supplied with equipment by the insured photographer.

When the insured photographer is using employed photographers to perform jobs or shoots, the insured photographer must be sure to count the employed photographer as an additional photographer when completing the Liability portion of the application. In the event of a liability claim, when it is discovered after an insurance company audit, that two photographers were operating and only one photographer had been declared on the application, the insurance company will deny coverage based upon the misreporting of the number of photographers.

In the case of an independent contractor performing a shoot on your behalf under your company banner, you have the choice of either declaring the independent contractor as an additional employed photographer and paying the additional premium, or requiring the independent contractor to show proof of liability insurance in the form of a Certificate of Insurance. This Certificate of Insurance should show that the independent contractor has at least $1,000,000 in liability insurance and it should also name you and your company as an additional insured. If the independent contractor photographer is unable or unwilling to show proof of liability insurance and name you and your company as an additional insured, you would be extremely wise and prudent to find another independent contractor. If a lawsuit results from the operations of an independent contractor performing a shoot on your behalf, you will be sued along with the independent contractor.

Photographer’s Liability Insurance provides protection to professional photographers and/or photo booth operators.

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