Premier Liability Policy

for Photographers

Premier Photographer's Liability Insurance has limits from $1,000,000 to $5,000,000. When compared to the Standard Photographer Liability Insurance program, the Premier Photographer Insurance program not only offers higher limits but also has optional coverages which are not available in the Standard Photographer Insurance program. Errors & Omissions can be added as an optional coverage with Liability Insurance.

Premier Liability Coverages Available

This Photographer Insurance program protects the insured photographer against lawsuits arising from alleged bodily injury, property damage, personal injury or advertising injury.

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. We offer 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.

$100,000 of Damage to Premises coverage is included with your Photographer Insurance policy. However, it is highly beneficial to maximize your protection by choosing a higher limit. We offer limits up to $1,000,000.

Medical Payments pay reasonable medical expenses for each person who is injured, up to the specified limit, without consideration of who is at fault. Medical Payments coverage often helps avoid lawsuits by giving the Insured Policyholder a hassle-free means to appease potentially litigious injured persons. Your liability policy comes with $5,000 of medical payments. You can increase this coverage up to $10,000.

This option extends the Commercial General Liability coverage to include coverage for photo shoots on railroad owned property.

This option covers the liability an employer assumes through the administration of an employee benefit plan.

Non-Owned and Hired Automobile Liability Insurance protects the film production company for sums you become legally obligated to pay due to Bodily Injury or Property Damage resulting from the use of non-owned and hired automobiles including rented or borrowed vehicles and vehicles owned by others.


The geographic limitation of almost any insurance contract is described by its policy territory. The territory of this particular policy varies with its coverages, but in each instance does include the United States and Canada. Contact us for specific territory interpretations.

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.

Both Standard Insurance and Premier Insurance are for professional photographers/videographers.  Our Standard Insurance policy often meets the needs of many photographers/videographers.  The Premier Insurance policy offers more coverage options and broader coverage including higher limits on Liability and expanded property coverage.  Please take a look at our comparison chart to view the two programs side by side.  If you have any questions regarding the differences, please call our office at 1-800-364-2433.

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