Are you Covered?
Photo by Skitterphoto
When renting a studio or location, it's important to remember that as a photographer, you're not just responsible for yourself and your own equipment; you're also responsible for the space you're using. That's why it's crucial to have insurance in place before renting a studio or location.
First and foremost, you'll want to ensure you have General Liability Insurance. This will cover any third-party claims of bodily injury or property damage that may occur on the rental property. For example, if a model trips and falls on a slick floor or if you accidentally damage a piece of equipment belonging to the studio, General Liability Insurance can help cover the cost of those incidents.
In addition to General Liability Insurance, it's also a good idea to have Equipment Insurance. This will cover the cost of replacing or repairing your own equipment in case of damage or theft. It's important to note that most rental properties will not provide insurance for your equipment, so having your own coverage is essential.
Another important consideration is the need for additional insured. Some rental properties may require you to add them as additionally insured on your insurance policy. This means that they would be covered under your policy in case of any incidents or accidents on the property.
Lastly, you should also read the rental agreement carefully and understand what is and isn't covered. Some properties may include insurance in their rental contracts, while others may not. Knowing precisely what is included in the agreement can help ensure you have the right coverage.
When renting a studio or location, it's essential to have insurance in place to protect yourself, your equipment and the property. With the right coverage, you can focus on capturing the perfect shot and not worry about the unexpected. So, before you rent that dream studio or location, make sure to check your insurance and have a peace of mind.
If you don’t have insurance, we can provide that service through our partnership with our insurance broker on a per-shoot basis.
Key Points:
General Liability Insurance is important to cover any third-party claims of bodily injury or property damage that may occur on the rental property.
Equipment Insurance is important to cover the cost of replacing or repairing your own equipment in case of damage or theft.
Some rental properties may require you to add them as an additional insured on your insurance policy.
It's important to read the rental agreement carefully and understand what is and isn't covered.
Insurance is crucial to protect yourself, your equipment, and the property when renting a studio or location.