Photo & Web Concept, LLC. has two types of insurance so that you feel safe when hiring one of our professionals.

We carry equipment insurance and also liability insurance. 
What does this mean to you?

Answer: It means that if one of photographers is working on one of your event is hurt in any way or form they are medically covered and for example if one of your guest damages any of our equipment we are covered and there is no liability to you in any way.

This is important because while we make every attempt for everything to go as smooth as possible things do happen and we have anticipated all the possibilities that exist so that you and your guest are safe from being liable for anything that can happen while we are working to make your event as memorable as possible with out you having to worry.

Facts about insurance:

Liability provides Commercial General Liability insurance protection, up to the specified limit, for sums which the insured photographer becomes legally obligated to pay as a result of business operations on the insured photographer’s premises or on the premises of others such as the venue. Liability is available with optional limits and defense costs supplemental to, or in addition to that limit. Subject to policy language, Commercial General Liability coverage is provided for the following:

  • Bodily Injury Liability
  • Personal Injury Liability
  • Property Damage Liability
  • Damage to Premises
  • Products Liability
  • Host Liquor Liability
  • Hired and Non-Owned Auto Liability
  • Medical Payments (subject to a $5,000 limit)


Description of Coverage:

Equipment protection
We drop our zoom lens while shooting on location and it cracks. Our insurance covers equipment accidents.

Injury to our clients
Our light stand falls and injures you during a photo shoot, wedding or any of our event types. We’ll cover it.

Property damage
We accidentally spill coffee on an expensive rug while shooting family portraits in your home. Our insurance will cover it.

Medical payments
One of our photographer or assitants gets injured while we are shooting on location. No worries our insurance will cover it

How does it work?
Answer: We will generate a certificate of insurance signed by our insurance provider that we will be working at your location. THis is given to you for your assurance and we then show up as scheduled to your even knowing we are protecting you and our selfs from any accidents 

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