Common and Unusual Photography Insurance Claims

Welcome back to the APA Insurance blog. Today we are talking about the insurance claims that have plagued many a commercial photographer. Well, on the less eccentric side of things, imagine a high-profile fashion shoot where the photographer's expensive lighting equipment got knocked over by a model doing an unexpected interpretive dance. Insurance could cover the cost of replacing those delicate lights. Then there's the wedding photographer who had their camera gear stolen during a reception. It's not uncommon for photographers to have insurance to safeguard against theft, ensuring they can replace their equipment and still deliver those precious wedding memories. In the world of commercial photography, gear is like gold, and insurance helps these creative folks keep their golden tools in working order. Of course, there’s liability claims too. If a client or third-party claims injury or property damage due to your work, your insurance can help cover legal costs, settlements, or medical expenses. Claims can arise from various situations, like a client tripping over your equipment during a shoot or damage caused by that falling light stand. If you need to file a claim, make sure to document everything—photos, witness statements, the whole shebang. Then, notify us or your insurance provider promptly. Our insurance carriers will guide you through the process. What about some of the wild insurance claims photographers make. Like, there's this guy who insisted his camera got possessed during a shoot and started taking selfies with ghosts. Apparently, the spirits were very photogenic. Then there's the photographer who tried to claim that a squirrel stole their camera and took it up a tree. I mean this brings a whole new meaning to the term “nature photography”. Oh, and our personal favorite: a photographer tried to file a claim because their model got too "emotionally attached" to the camera and accidentally threw it into the ocean during a dramatic beach shoot. I guess the camera just couldn't handle the intensity of the moment. Claims can happen to anyone at anytime…which is a reminder to insure your gear, your people and your liability exposure.  Call us to review your coverage needs…we know photography insurance.