American Specialty is a nationally recognized insurance company managing general underwriter serving the sports, leisure and entertainment industries across the United States and works with the National Association of Mobile Entertainers as their exclusive insurance broker. In order to get these amazing deep discounts on insurance, you must join as a Name Entertainers member first. Each month we will be featuring one of our many entertainer benefits as a N.A.M.E member. This month’s feature is why it’s important to have insurance as a professional photographer and photo booth operator.
Q: Why should I have liability insurance?
A: Liability coverage protects you as an individual entertainer and your business from third-party claims of bodily injury, property damage liability and personal advertising injury claims. For example, a guest at one of your performances is injured and sues you as a result of the injury. Or, you cause or allegedly cause damage to a facility that you are using for your gig.
Q: Why should I have equipment insurance?
A: Your equipment is valuable and often times fragile. Accidents happen! Make sure that you have proper equipment coverage to repair/replace your valuable equipment in the event of damage to your property.
Q: Should I have both types of coverage? Why?
A: Liability and equipment insurance are very different coverages. Liability insurance protects you from third-party claims/lawsuits as outlined above and property insurance is designed to make you whole after a covered property loss (whole, not better). Insurename.com provides you with 24/7 access to your insurance information when you need it! The ability to produce Certificates of Insurance online at your convenience, claims reporting and access to a licensed insurance agent.
Q: For photo booths, is there an additional charge if a photographer has a photo booth while they are working at a gig?
A: Photo booths are a fun activity at many events and often a part of larger entertainment business. We are excited to support this trend! Our photographer insurance program allows a photographer to operate a photo booth while working a gig for no additional premium! If the operation of the photo booth requires the photographer to have an assistant to operate the photo booth during a gig while the photographer is working, coverage for an assistant must be purchased. Our photographer insurance program allows photographers to purchase coverage for multiple photographer professionals and assistants that work on behalf of the insured’s business. A photographer professional is classified as a full-time photographer that works independently at gig(s) on behalf of the insured’s business. A photographer’s assistant would be classified as an individual that provides assistance and support to the photographer professional during a gig.
Q: How do we get in touch with American Specialty Insurance?
A: The fastest way to contact American Specialty is by email at firstname.lastname@example.org. You can also reach American Specialty by phone at 877-441-4011 or via our online chat feature at insurename.com.