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Member Benefit:
Taylor & Taylor

Category: Insurance — Business Liability

Product/Service Description

ASMP Prosurance offers insurance coverage for all aspects of photographer's and videographer's work.


Special rates are available to ASMP members ONLY.

Member Benefit

ASMP Prosurance is an insurance program designed specifically for professional photographers.


Standard features include:


  1. Liability Insurance: Protects against bodily injury and property damage claims arising from members of the public. Increased limits available.

  2. Camera Coverage: Covers owned and rented equipment on a worldwide basis. The Prosurance policy does not contain an unattended vehicle theft exclusion. Owned equipment is insured on a replacement cost basis and includes earthquake and flood. Earthquake and flood are usually excluded in most property policies.

  3. Props, Sets and Wardrobe Coverage: Insure the property that is being used to decorate the photo shoot and/or worn by models (including limited coverage for fine art, jewelry and animals).

  4. Reshoot Coverage: Covers the costs of a reshoot resulting from loss of the data in transit (previously known as film), damage to the data, camera or drive malfunction, and fire, theft or water damage.

  5. Extra Expense Coverage: Covers the additional costs to complete a shoot as a result of damage to the location, mechanical breakdown of the camera, drive or lighting equipment.

  6. Office Contents: Covers your office contents, furniture, supplies and equipment while in your studio or permanent location.

  7. Certificates of Insurance: We provide standard certificates of insurance for locations, equipment rental companies or municipalities naming the respective entity as an additional insured without an additional charge or broker fee.


Important features of the ASMP Prosurance Policy which are not commonly included in other insurance policies and distinguish this policy from look-alikes:


  1. Third Party Property Damage Liability, $1,000,000:: Most liability policies excluded damage to property of others in the care, custody or control of the policyholder. It is this coverage section that responds when you damage the location itself.

  2. Errors and Omissions Liability, $1,000,000 (optional): Also known as Media or Professional liability. This coverage protects you against copyright claims by other people. Most liability policies exclude copyright claims if the policyholder is in the business of advertising, publishing, broadcasting or telecasting. This coverage alone, if purchased separately, would have a minimum premium of $1,500, but is available to ASMP members for an additional premium of $150.

  3. Hired Vehicle Physical Damage for rented vehicle(s): This coverage saves you money on a daily basis. Most rental companies charge $10.00 a day for the collision damage waiver.


Students and Faculty: Coverage for owned or rented photo gear is available at special academic-year rates.

How to Acquire Benefit

ASMP members: Please log in to gain access to this benefit program.
Not a Member? Learn more about joining ASMP.

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