PPA Insurance

PPA insurance is offered by the Professional Photographers of America (PPA) to its members. PPA is a professional organization for photographers based in America which offers a range of benefits and services to its members including insurance coverage.

The PPA insurance program provides liability coverage to professional photographers for various types of claims that may arise from their work. This includes coverage for property damage, bodily injury, and personal injury claims.

For example, if a client trips over a photographer’s equipment during a photoshoot and suffers an injury, the PPA insurance policy can help cover the resulting medical expenses and legal fees.

The PPA insurance program also includes equipment coverage, which provides protection for photographers’ valuable camera gear, lighting equipment, and other tools of the trade. This can be especially important for photographers who rely on their equipment to make a living.

What is ppa insurance for photographers?

The Professional Photographers of America organization provides PPA insurance for photographers, a sort of insurance coverage created especially for industry experts in photography. The PPA is a non-profit organization that was founded by photographers, for photographers, and they collaborate with a unique insurance partner to provide specialized plan alternatives established with photographers’ requirements in mind. The following are a few of the various insurance options that PPA provides to its members:

General Liability Insurance: This kind of insurance protects against bodily harm and property damage that you or your staff members may cause during a photo shoot or other event.

Equipment insurance: If your equipment is lost, stolen, or damaged, this sort of insurance will help you replace it. PPA’s membership includes coverage under their equipment insurance policy for up to $15,000 in equipment.

Drone Insurance: It offers drone insurance to cover any damage the drone causes while performing a paid assignment if you utilize drones in your photography company.

PPA Rental Property Insurance: In the event that a landlord’s rental property becomes uninhabitable, this kind of insurance shields them from financial loss.

What does ppa insurance cover?

PPA stands for Personal Possessions Away insurance. It is a type of insurance that covers your personal belongings when they are away from your home. Some of the things that PPA typically covers include:

• Laptops, tablets and other electronics
• Jewelry and watches
• Sports equipment
• Musical instruments
• Cameras and camera equipment

PPA insurance can cover your belongings when they are:

• At school or work
• In transit (for example, when traveling)
• Stored in a storage unit or locker

The coverage provided by PPA insurance depends on the specific policy, but it typically covers:

• Theft
• Fire
• Accidental damage or loss
• Water damage

How much does ppa membership cost?

Regular members pay $99 the first year and $149 the second. First-year post-doc membership is free and $99 for the second. Undergrads and grads get free membership while Affiliates pay $149.

PPA provides Student and Life Memberships with varied fees and privileges. All three days of Imaging USA 2023 cost $219 for PPA members and $319 for non-members. Student & Life Members attend free. Pre-conference classes from January 25–27 cost extra.

PPA membership provides cost savings, resources, education, networking, and insurance. General liability insurance costs roughly $250 per year. PPA’s relationship with Lockton Affinity provides excellent insurance rates and customer service. PPA covers PhotoCare premium in membership fees.

Types of PPA Insurance for Photographers

PPA PhotoCare Insurance coverage:

If you have a membership you will get a PPA photocare insurance policy for free. This includes the following coverages and features.

• Deductibles amount $350 for replaced equipment
• Deductibles amount $50 for repaired equipment
• Coverage amount of $15,000
• Worldwide coverage
• Computer hardware coverage
• Equipment theft coverage

PPA Photo Care Plus Insurance coverage:

• $100,000 in coverage amount
• Only $175/year premium 
• Deductibles of $250 per loss
• Worldwide coverage options
• Computer hardware coverage
• Equipment theft coverage
• Theft of equipment in unlocked vehicles
• Coverage for mysterious disappearances
• Non-PPA members employees coverage
• Drone coverage options

PPA General Liability Insurance coverage:

• $1,000,000 in coverage amount
• Insurance premium is just 250$ per years
• Worldwide coverage options
• No Deductibles
• Drone coverage
• Damage to third parties.
• Personal injury
• Libel, slander, invasion of privacy
• Rental auto liability  
• Fire, lightning or explosion at rented location
• Terrorism damage
• Additional employees coverage

Other Benefits of PPA Insurance 

• More than 30,000 photographers call PPA home. Sharing information, offering support, and finding inspiration are so clear benefits of ppa membership
• Free photography Education
• Free copyright kit light and access to copyright news
• PPA’s member magazine has offered technical guidance, commercial knowledge, and teachings from renowned photographers to photographers.

How to File a PhotoCare Plus or PhotoCare ppa insurance claim

Step 1: Download PhotoCare claims packet

Step 2: Fill out the checklist in the package.

• Remember to complete the Statement of Loss, Damage, and Repairs form.

Step 3: Send packet to PPAClaims@LocktonAffinity.com

 
You can mail your claim packet to PPA Claims at P.O. Box 410679, Kansas City, MO 64141-0679 or fax it to 913.652.3973.

is ppa worth it?

It’s an excellent association to be a part of if you only rely on your photography business to support yourself and work a lot of weddings as well as some yearbook work.
Throughout my studio’s 20 or so years of ownership, I was a member of PPA.

PPA Insurance reviews by customers:

Best Insurance for Photographers in USA | Coverwallet

Coverwallet is the best photographer insurance company at the moment. It
Photographers can purchase errors and omissions insurance and coverwallet professional liability insurance with following coverage:

Negligence, also referred to as carelessness, is a risk that any photographer may encounter. The policy offers coverage if the client sues you because you neglected to fulfill their request.

Defense costs: You will still be required to pay court costs and legal fees even if you win your case. They will be covered by the professional liability insurance coverage.

Covers equipment: Photography equipment can be expensive and vital to your work. Coverwallet’s insurance can cover your equipment against theft, damage, and loss.

Reshoot Costs: The policy will pay for any reshoot costs if your memory card expires, you have to cancel the shoot due to an emergency, or your camera breaks but the client still expects you to complete the shoot.

Drone Liability coverage: It’s crucial to know that most general liability and professional liability insurance policies do not cover drone liability, therefore you will need your own policy. You can also get this unique policy with the assistance of CoverWallet.

Does the PhotoCare policy cover my iPad or PC hardware?

Absolutely, work-related computer hardware is covered by the Photo Care policy. The policy provides coverage for up to $5,000 worth of items, including but not restricted to laptops, tablets, and printers.