Common questions about Photography Studios
Answering the most frequently asked questions about Photography Studios.
What about props and sets?Gravity Certs2026-08-17T23:42:52-04:00
Covered as contents under a business owners policy, though high-value or rented items may need scheduling.
Are client images an exposure?Gravity Certs2026-08-17T23:42:51-04:00
Yes, on two fronts. Loss of images is E&O; misuse or unauthorized publication is media liability.
Is equipment covered when it leaves the studio?Gravity Certs2026-08-17T23:42:50-04:00
Only with inland marine. A studio property policy typically won’t follow gear to location shoots.
Do I need coverage for staff and assistants?Gravity Certs2026-08-17T23:42:50-04:00
Workers’ compensation is required for employees in New York, including part-time assistants and retouchers.
How does a studio differ from a mobile photographer?Gravity Certs2026-08-17T23:42:49-04:00
A fixed premises adds public liability. Clients, children and families moving among cables and stands is a real exposure.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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