Business Insurance USA Introduces a Packaged Insurance Policy to Protect the Business Assets of Photographers

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Business Insurance USA has customized a tailored policy package for photographer's insurance and is now offering the program in over 20 states for newly formed and established professional photographers.

After many months of industry review and professional feedback, Business Insurance USA has combined multiple insurance coverages into one package policy to entertain the business insurance needs of photographers. As a business owner, one can agree that insurance coverage can be a confusing topic. Each business owner has a different interpretation and understanding of insurance terminology, but the fact is that insurance will only cover what is stated on the contract, therefore understanding the policy is a crucial element for a business owner. What many don't understand is that insurance coverage can be altered to fit the needs of the specific business operations which will prevent coverage gaps and extra out of pocket expenses for unnecessary coverages.

The demand for photographers has increased during the past few years. Consumers have begun to book photo sessions for weddings, engagements, personal portfolio and milestone pictures for newborns. Whether the photo sessions are in a studio or public scenery, photographers are prone to liability claims for unsatisfied customer photos or lost or stolen camera equipment. USA Business Insurance has introduced a photographer’s insurance policy which accommodates all these coverages into one package to protect both the general liability and professional liability aspect of the photographer’s business and include content coverage for equipment in case of damage or theft during an event.

As a photographer it is important to know that the equipment used can't be covered under a Business owners policy (BOP) as a business personal property (BPP) because that would only cover the items in the predominant business location and not when traveling or working out in the field. Within the photographer general liability policy, customized coverage can be added for lost or damaged contracts and valuable paperwork that clients might have provided. Extensive research, valuable information and a detailed business insurance policy will offer photographers a safe, professional and loss free business operations. The business insurance package for photographers is available in over 20 different states for newly formed and existing businesses.

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