Professional liability
Discuss allegations involving missed moments, service failures, or problems delivering client work.
Bring the detail
Prepare client and venue contracts. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Equipment & transit
Review owned and rented camera equipment, theft conditions, and travel.
Bring the detail
Prepare equipment list with serial numbers and values. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Venue liability
Ask about accidental damage, third-party injury, and certificate requirements.
Bring the detail
Prepare travel destinations and annual bookings. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Bookings and services
Include video, drone work, destinations and delivery arrangements.
Equipment and travel
Owned and rented gear, values and storage conditions matter.
Client and subcontractor agreements
Explain second shooters, liability promises and backup processes.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.
Read: Insurance preparation for wedding photography season →