Covered as contents under a business owners policy, though high-value or rented items may need scheduling.
Yes, on two fronts. Loss of images is E&O; misuse or unauthorized publication is media liability.
Only with inland marine. A studio property policy typically won't follow gear to location shoots.
Workers' compensation is required for employees in New York, including part-time assistants and retouchers.
A fixed premises adds public liability. Clients, children and families moving among cables and stands is a real exposure.
