business insurance coverage for photographers

As a photographer, your business is likely your livelihood and passion. Customers rely on your unique perspective and skills to fulfill their photo needs and deliver a quality product. As you progress as an artist and businessperson, help protect your photography shop with quality business insurance from Allstate.

The below coverages may be available for your business. To learn more about what coverages are available in an Allstate Business Insurance policy, you can also contact a local agent.

Property risks	Allstate coverage
Building or property damage If your business building or business property are destroyed due to a covered loss, such as a fire or theft, costs could add up quickly.	Business Building/Personal Property Coverage This coverage pays to repair or replace your owned business building and/or your business personal property, up to the limits you select.
Damage to property while off premise While in transit to a customer or vendor's location, you are involved in an accident and your tools and equipment are damaged.	Photographic Equipment Off-Premises Coverage This provides coverage for camera equipment that you own if it's damaged while you're away from your business premises. This coverage is included with Allstate's Business Insurance policy for photographers.
You can't open your business Your business is damaged due to a fire and you cannot operate until repairs are made.	Business Income and Extra Expense Coverage This coverage helps with loss of income and fixed expenses, such as rent or payroll, while your business is temporarily closed for repairs after a covered loss. This coverage provides your business with up to 12 months of coverage.
Damaged documents A pipe bursts and leaks over a filing cabinet that contains critical documents. Many documents are damaged and others are completely destroyed.	Valuable Papers and Records This helps cover the cost of restoring important business documents that are damaged or destroyed by a covered loss. This coverage is included in the basic BOP and can be increased if you opt for additional coverage.
Stolen cash Money stolen from your company in a theft or burglary could lead to hardship.	Money and Securities Coverage This optional coverage helps protect your business against loss of money or securities due to theft, disappearance or destruction. This coverage may provide reimbursement whether the loss occurred on or off your business premises.

Liability risks	Allstate coverage
Unexpected developments You take pictures of a wedding, but when you go to develop them, you notice that most are not turning out as expected.	Miscellaneous Professional Liability/Errors and Omissions Coverage This covers legal obligations arising out of professional errors, negligent acts or omissions during the course of practicing your profession.
Injury lawsuit You are sued because somebody was injured after slipping on a recently mopped floor at your business.	General Liability Protection This provides coverage for injury to others at your premises and helps protect you from lawsuits filed against you.
Customer data loss or theft Customers' confidential personal and financial data that you maintain is lost or stolen.	Data Compromise Coverage This optional coverage provides case management, legal support, credit monitoring and legally required notifications after customer data is affected.

Auto risks	Allstate coverage
An employee causes an accident While performing work for you, your employee gets into an accident and causes injury or damage to another person or their property. You could be held liable.	Liability Protection This coverage helps pay for someone else's medical bills and/or repairs to their vehicle, even if it's due to your employee's negligence.
Vehicle damage Damage to your vehicle, whether your driver was at fault or not, can result in unexpected repair bills.	Collision Coverage This protection pays to repair damage or replace your car if it is a total loss.
Hail damage Hail can cause damage to your business vehicle, such as large dents and broken glass.	Comprehensive Coverage This protection pays to repair hail damage to your business vehicle. This coverage may also help repair damage from other non-accident-related events, such as fire, theft or vandalism.
You are injured by an uninsured driver If you or your employee are in a collision with an uninsured driver and sustain serious injuries, your livelihood could be at risk.	Uninsured Motorist Coverage This coverage helps pay for your medical bills if you are injured in an accident that is caused by a driver with no insurance. Or, you may have the protection you need, depending on your policy's bodily injury limit. (Coverage restrictions apply in some states, so be sure to talk to your agent.)
You owe money on a damaged vehicle If you still owe money on a loan or lease, you could be responsible for the cost of replacing the vehicle after an accident.	Lease and Loan Gap Coverage This helps you pay off your car loan if your vehicle is totaled or stolen and the amount you owe is more than the car's depreciated value. This coverage comes standard in an Allstate Business Auto Insurance policy.

As business owners themselves, Allstate agents have a unique understanding of the needs and questions you may have when selecting an insurance plan. To help you prepare for a conversation with your agent, we've compiled a helpful discussion guide.