Photographer's Insurance
SECTION 1: GENERAL PROPERTY COVER
This coverage insures against all risks (as per Policy Wording) of direct physical loss or damage to the property covered from any external cause, such as Fire, Water Damage, Accidental Damage, Theft (from unlocked or unattended premises).
SECTION 2: NEGATIVE FILM INSURANCE:
This coverage insures against all risks of direct loss of or damage to raw film tape stock, exposed film, video tape, etc from any exturnal cause. This can include Faulty Stock and Equipment, if so desired. Exclusions to this section are, for example, Fogging, Intentional destruction, Errors in Judgement in exposure, Lighting or sound recording or library stock.
SECTION 3: PUBLIC LIABILITY INSURANCE
This section covers the Insureds legal liability to the general public (including parties where the insured has entered into a contract to indemnify them - HOLD HARMLESS) with regards to claims made against them for personal injury and or property damage which occurred due to the alleged negligence of the insured and or his employees.
SECTION 4: CANCELLATION AND ABANDONMENT
Cancellation of the Production or Photo Shoot, due to circumstances beyond the control of the insured, otherwise not covered by the above policy sections. This can include Strikes, Delayed Aircraft, etc. In addtition WEATHER RISKS extension can also be taken when necessary with regards to outdoor shoots.
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