The majority of photographers will benefit from insurance coverage in the majority of situations they may encounter. Nevertheless, insurance will never cover everything.
This means that photographers may not be covered if they commit fraud or serious negligence.
If a photographer sells services, gets paid, doesn’t deliver, and doesn’t give back the money, that would be fraud. Negligence is harder to prove, but basically means that the photographer didn’t do something right, which led to the problem.
You should read the fine print because insurance policies can exclude negligence in different ways.
Some activities or events may not be covered by your photographer’s insurance.
Therefore, you will need to ensure that your policy covers high-risk photography, such as marine or drone photography, that could affect the safety of your property.
This could necessitate acquiring a completely new type of insurance, such as drone or inland marine coverage, both of which carry additional costs.
