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Please browse to read about our camera and liability insurance program for photographers and videographers. Interested in a quote for business insurance? Complete our online questionnaire to receive a proposal of insurance specific to you and your company. In most instances on the same day. Click the Apply Now! button when you are ready.
Errors & Omissions: Protection From Off-the-Wall, Groundless Lawsuits
Professional Liability insurance (Errors and Omissions) is designed to provide for the photographer or videographer's legal defense and pay for awarded damages when another party alleges some negligence or wrongdoing that resulted in a loss. General Liability coverage specifically addresses bodily injury, property damage, and personal/advertising injury.
An unhappy or unsatisfied bride or groom may not allege that you physically injured either of them; but that won't always stop a lawsuit from being filed against you. Rare as they are, claims against professional photographers that allege an Error or Omission do happen, many times years after the wedding event...sometimes after the marraige already ended in divorce.
Read the New York Times article entitled "Years Later, Lawsuit Seeks to Recreate a Wedding":
Errors & Omissions is a unique brand of liability insurance that will often defend the professional against professional service related lawsuits. Package Choice is pleased to offer Errors & Omissions nationwide.
How or whether insurance coverage responds, of course, depends on the allegations and the facts specific to each case; but, it's fair to state that the purpose of E & O is to defend a photographer when the bride, groom or other individual claims that the work product falls short of reasonable professional standards.
Introducing Package Choice™ Photographer's Insurance Package ChoiceTM is a comprehensive, multi-insurance carrier program administered by Hill & Usher Insurance & Surety. Since 1998, thousands of professional photographers and videographers throughout the United States have come to rely on the program for complete business insurance protection. Standard and available coverages include:
Errors & Omissions (Professional Liability)
Insurance for Cameras & other Photography gear
Worldwide Camera Insurance is available
Protection for Computers and Portable Electronics
Business Personal Property (Studio Contents)
Business Income Insurance & Extra Expense
General Liabiity Insurance for Photographers
Certificates of Insurance for Venues and Landlords
Package ChoiceTM and Hill & Usher are focused around these core values
Consultative. Collaboration with customers on coverage and policy design.
Cost-Effective. Value and high quality for your insurance premium investment.
Customer Focused. Efficiency and ease of doing business.
Competence. Deliver technical expertise and product knowledge.
Relationship Strength. Establishing solid relationshipo with you and insurance providers.
Ethics. Uncompromising trust, honesty and integrity at all times with all people.
Why Choose Package Choice? Package Choice™ is comprehensive. Designed specifically with the Professional Photographer in mind, Package Choice™ combines many property and liability coverages Photographers need into one policy.
"When photographers and videographers think insurance, they think Hill & Usher. Contact us today to discover why Hill & Usher's Package Choice program is the unmatched leader in the market." Richard B. Usher Agency & Program Founder Hill & Usher