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 Public 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.
Photo Booth Commercial Property Insurance
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. |
Photo Booth Commercial Auto Insurance
Does your photo booth business have a commercial vehicle? If so, consider getting commercial auto insurance. Inclusions in commercial auto insurance are:
- Auto liability coverage – Auto liability coverage in commercial auto insurance will help with this. It will shoulder the medical treatment of injured third parties. Also, auto liability coverage will reimburse the owners of damaged properties.
- Physical damage coverage. Comprehensive physical damage coverage will take care of parts repair or replacement if your photo booth business’s commercial vehicle incurs damage due to fire, theft, vandalism, and other covered perils.
- MedPay/personal injury protection – MedPay provides payments for the medical treatment and funeral of the driver and the passenger if your commercial vehicle causes an accident or gets involved in an accident.
- On the other hand, personal injury protection provides the same coverage but also takes care of compensation for lost income, after-hospital visits, and more
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]Photo Booth Business Owner’s Policy
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.
Other Business Insurance for Photo Booths
Employee Dishonesty Insurance
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
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.
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Equipment Breakdown Insurance
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
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.
Photo Booth Insurance Cost
Keep in mind that several factors influence the cost of photo booth insurance. Some of them include;
- Location
- Number of Employees
- Claims History
- Business History
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!
Best Photo Booth Insurance Companies
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
Our rating: 10/10
Pros
- Compare photo booth insurance quotes online
- Get insured immediately
Cons
- Not an insurance company but an insurance broker
RV Nuccio Insurance
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
Our rating: 9/10
Pros
- Short-term photo booth insurance
Cons
- Doesn’t have a mobile app
