With The Package , a studio need not purchase separate Professional Liability policies for each staff photographer. Coverage is on an occurrence form with no deductible. Defense costs are outside the limits. Now available in all states except Alaska and Hawaii. Your Business Personal Property including Camera Coverage Sub-limits apply to equipment in transit and at temporary locations.
Coverage is extended while the equipment is anywhere within the United States or Canada.
Covers most risks of direct physical loss. In the event of a covered property loss, this coverage will reimburse insureds for actual loss of earnings up to 12 months, as well as cover additional expenses necessary to conduct normal business operations. Business Liability Protects your business operation from claims arising out of injuries to your customers or the general public, or from damage to the property of others. Protection extends up to your policy limits. This limit may be increased.