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Photo booths have grown from being random spots to modern complex booths that provide interactive digital displays to email photos or texts. Though it functions simply, your photo booth business needs coverage too.
This is why it is essential to address risks with photo booth insurance. This article will help you understand the importance of this policy, what it covers and why you should consider getting it.
Photo Booth Liability Insurance
If you find general liability insurance too much, then get public liability insurance. Public liability insurance covers personal injuries and property damage just like general liability insurance.
But understand that, unlike general liability insurance, public liability insurance doesn’t come with products and completed operations coverage or advertising injury coverage.
Many think that commercial property insurance isn’t necessary for photo booths businesses. They might be right. But know that if you’re the owner of a thriving photo booth business, commercial property insurance is very useful. It provides protection against the following perils:
Fire, theft, vandalism, and other covered perils will destroy your photo booth business’s office or warehouse.
In this situation, commercial property insurance will provide the money you can use to get damaged structures repaired. The amount you’ll get is still based on replacement cost and actual cash value
Workers Compensation Insurance for Photo Booth Businesses
Workers’ compensation insurance will mitigate expenses if an employee becomes injured or sick due to a work-related hazard and requests help. This insurance will pay for:
| Coverage | Function |
| Medical Treatment/Procedure | Workers’ compensation insurance covers In either case, if the employee will require emergency medical treatment/procedure if injuries are sustained. |
| Hospitalization | Workers’ compensation also helps to covers the hospital bills until your employee is discharged |
| Lost Income Compensation | Workers’ compensation insurance will cover lost income if your photo booth business’s employee can’t work due to a work-related injury or illness. |
Does your photo booth business have a commercial vehicle? If so, consider getting commercial auto insurance. Inclusions in commercial auto insurance are:
Get all the best quotes from leading providers in a click of a button!
A business owner’s policy combines general liability and commercial property insurance. However, in most cases, the BOP of different insurance companies has additional perks.
Employee dishonesty insurance will recoup losses if an employee commits a crime. In particular, this will provide coverage if your business’ employee commits social engineering, embezzlement, destruction of money and other securities, and other related crimes.
Property in transit insurance provides protection while your photo booth is being delivered from one location to the next. If your business’s photo booth becomes damaged or lost during the trip, property insurance will help to recoup losses.
If your photo booth becomes broken during use, equipment breakdown insurance will provide money for repairs. But note that this insurance can give immediate replacements if your photo booth is less than three years old.
Cyber liability insurance will provide protection if cyber criminals successfully get access to sensitive user information. This will pay for attorney fees, administrative costs, and other legal expenses if affected users decide to file a claim. Moreover, cyber liability insurance will cover PR costs.
Keep in mind that several factors influence the cost of photo booth insurance. Some of them include;
The average photo booth insurance cost is $33 per month or $396 per year for a $1 million general liability coverage.
| Cost per Month | Cost per Year | Best for | |
| CoverWallet | $28 | $336 | Photo booth insurance quotes comparison online |
| R.V. Nuccio | $32 | $384 | Short-term photo booth insurance |
Get all the best quotes from leading providers in a click of a button!
CoverWallet
CoverWallet is an insurance broker with an online quotes comparison platform you can use to find insurance companies offering photo booth business insurance. Comparing quotes is very easy because all you have to do is provide basic business information.
Average cost: $28
State Farm Photo Booth Insurance
State Farm offers photo booth insurance, including liability and equipment protection options. Their policies can be customized to fit your business needs. Contact State Farm for a personalized quote.
pros
cons
May not offer short-term policies like RV Nuccio.
RV Nuccio’s photo booth insurance includes equipment breakdown insurance, general liability insurance, and employee dishonesty insurance. Work with this insurance company if you’re looking for tailored business insurance available as a short-term policy.
Average cost: $32
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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