Details can consume you when you’re planning a New York City photoshoot. You need a great photographer, models, wardrobe, a motorhome, catering, hair and makeup professionals, and a workable plan. But before you spend one minute on these details, take a step back and make sure you have insurance for your photoshoot.
Insurance sounds like the least interesting item on the list, but it’s the first item you need to secure. Why is that? Without proof of a General Liability policy, you won’t get very far in your plans.
Before engaging with any project, you should have a General Liability minimum of one million dollars. In some cases, you may need more than a million dollars of coverage, but this is a good minimum standard. Every vendor you work with will ask you for proof of your insurance. Therefore, not having insurance can delay your project. Also, if you don’t have insurance you can’t get any permit in any city.
What Is General Liability Insurance?
Even if insurance weren’t required by vendors and the city, it would still be very important to have a general liability insurance policy for your business. It protects your business from third-party claims, and in our litigious business culture, it’s risky to operate a business without this protection.
General liability insurance protects you from a variety of claims, including the following:
- Injury caused by accidents during the shoot
- Property damage to premises rented or loaned to you
- Medical payments incurred from injury or illness
- Defense costs in case you get sued
- Actions of your full-time employees and temporary staff
- Electronic data liability
As you can see, general liability insurance can protect you from a host of financial risks, and it makes sense that your vendors, the parks, and the city would want you to have this insurance.
How to Get Insurance for Your Photoshoot
Fortunately, it’s not difficult to secure general liability insurance, and in most cases, it doesn’t take very long either. This is especially important if you have an upcoming shoot and you don’t yet have your insurance.
If you already have an insurance agent you work with to cover other aspects of your business, such as your property insurance, get in touch with that agent first. When you bundle several insurance policies together with the same company, you can often receive a discount on one or more of the policies.
It’s wise to shop around for general liability insurance because rates vary from company to company. On average, a million dollars’ worth of coverage for a business usually runs around $500 to $600 per year. But this figure will depend on a variety of factors, such as the size of your company, the risks of your industry, and previous claims. If you don’t need general liability insurance on an ongoing basis, we can help you to obtain a certificate of insurance for your event.
What Documents to Have Ready
For the fastest service when obtaining insurance for your photoshoot, you can gather needed documents before you even call your agent. With all of this information handy, you’ll be able to rattle off your information and get a quote much more quickly. Here’s what you’ll need:
- Number of employees
- Estimate of your expected revenue for the coming year
- Business location (address)
- Details about your premises (square footage, access, building regulations, etc.)
- Length of business ownership
- Contact information for you personally and for the company
- Details about the kind of work you do and the risks your business faces
With this information handy, you’ll be able to quickly give the agent the details needed to process your application. In most cases, policies are issued quickly. With your general liability policy, you’re ready to start working with vendors, parks, and the city.
Moving Forward
With insurance for your photoshoot, you’re ready to start applying for permits, booking motorhomes, and scheduling photo shoots. We can help you with many of the details, including working with the city on permits. We can also help you with certificates of insurance up to $1 million if you find that you don’t need general liability insurance for your day-to-day operations.
Get in touch with us at On Time Elite, your NYC first-class one-stop boutique for all of our production needs. We have everything you need to make your photoshoot a success.
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