ASMP Prosurance is an insurance program designed specifically for professional photographers.
New: Prosurance now provides coverage for live action (video) projects.
Standard features include:
Liability Insurance: To protect against bodily injury and property damage claims arising from members of the public.
Camera Coverage: To cover 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.
Props, Sets and Wardrobe Coverage: To insure the property that is being used to decorate the photo shoot and/or worn by models.
Reshoot Coverage: To cover 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.
Extra Expense Coverage: To cover the additional costs to complete a shoot as a result of damage to the location, mechanical breakdown of the camera, drive or lighting equipment.
Office Contents: Covers your office contents while in your studio or permanent location.
Certificates of Insurance: The ability to send a location, an equipment rental company or a municipality a certificate of insurance naming their respective entity as an additional insured without incurring an additional charge for the certificate of insurance or a processing fee by the broker.
Other insurance policies often skip certain important features, but ASMP Prosurance includes them.
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.
Errors and Omissions Liability, $1,000,000: This protects you against copyright claims by other people.
Hired Vehicle Physical Damage for rented vehicle(s): This saves you money on a daily basis. Most rental companies charge $10.00 a day for the collision damage waiver.
Live action projects can be covered, as long as no single project exceeds $30,000 in revenue and annual revenue from live action projects does not exceed $200,000. (Note: Re-shoot coverage is currently limited to $15,000.)
For a more detailed overview of professional coverages available, please read the Prosurance summary.
Students and Faculty: Coverage for owned or rented photo gear is available at special academic-year rates.
16 East 40th Street
New York, NY 10016
(212) 490-7236 Fax
15060 Ventura Blvd.
Sherman Oaks, CA 91403
(818) 981-9703 Fax
ASMP members: Please log in to gain access to this benefit program.