Photographers and Videographers offer a valuable service to their clients.
As a photographer or videographer, your art is your business. What many photographers do not know is that if you’re exchanging your services for money, your tools — cameras, gear, and equipment — is considered “commercial.” As a result, your homeowner’s or renter’s insurance policy, which is intended to cover personal items, may not respond to commercial losses.
Photography and videography equipment is expensive, and losing it to theft, accident, or damage could be catastrophic whether you’re a professional or an amateur. APOLLO offers liability insurance, errors and omissions insurance, camera gear, equipment coverage, and more insurance products designed specifically for photographers & videographers.
These physical items are covered on a replacement cost basis, meaning if they are totally destroyed the insurance policy pays for a similar item new. It is important to have a high enough contents limit to replace everything in your business.