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When you refer folks to us, it’s truly a win-win-win. You look like a hero, your friend or family member gets taken care of, and we’re able to grow our local business.
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Semper Insurance
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Frequently Asked Questions
Yes, and collect certificates from subcontractors. Their errors can become your claim.
Cyber liability responds where the breach traces to your systems or credentials. Confirm the wording.
Increasingly yes, particularly corporate clients, who often specify E&O and cyber minimums.
E&O responds to claims your administrative errors caused a client loss, including missed deadlines and miscommunication.
Access. You hold client logins, calendars and payment systems, which makes cyber liability and crime coverage central.
Not automatically. Aircraft exclusions apply, so drones must be scheduled specifically.
Your equipment creates trip and injury exposure. Additional insured status is standard and quick to arrange.
Media liability addresses unlicensed use claims. Licensing itself is a compliance obligation you still need to meet.
Only with inland marine. Property coverage stops at your premises, and gear travels to every job.
That’s the defining claim in this work. E&O responds to loss of irreplaceable footage from a non-repeatable event.
Don’t see your question? Contact us.




