Event Insurance Coverage Details – Event Photographs and Video

See Full Event Cancellation / Postponement Plus Insurance Sample Policy

Coverage A: Event Cancellation Coverage B: Extra Expense
Coverage C: Event Photographs and Video Coverage D: Event Gifts
Coverage E: Special Attire Coverage F: Special Jewelry
Coverage G: Loss of Deposits Coverage H: Professional Counseling

Coverage C: Event Photographs and Video

We will indemnify you, in excess of the deductible, for:

  1. The amount contracted to be paid by you, or on your behalf, to a professional photographer, should any of the following occur:

    1. Non-appearance of the professional photographer contracted for the event;
    2. Loss or direct physical damage to the original film or the negatives (whether film or digital) before copies are received by you or the honoree, either before or after proof photographs; or
    3. Non-development of the original film or negatives (other than under or overexposure). This includes failure to load camera with film or failure to remove lens cap from camera.
  2. The amount contracted to be paid by you, or on your behalf, to a professional videographer, should any of the following occur:

    1. Non-appearance of the professional videographer contracted for the event;
      or
    2. Loss or direct physical damage to the original tape before you or the honoree receive finished copies.

Coverage C: Exclusions

We will NOT indemnify you for any loss caused directly or indirectly by any of the following:

  1. Damage to event photographs or event video arising from wear and tear, moth, vermin, atmospheric or climactic conditions, deterioration, depreciation, confiscation or detention; or
  2. Failure of the event photographs or event video to meet anyone’s, including without limitation an honoree’s, expectations of style or quality, including the absence or clarity of sound, or content.
  3. Any services in excess of those delineated in the original contract for event photographs or event video.

The maximum amount we will indemnify you for under Coverage C is the amount stated in the declarations page for “Event Photographs and Video”, regardless of the number of claims made under the policy.

The information contained here is for illustrative purposes only and coverage under the Private Event Insurance Program is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. This program is underwritten by Markel American Insurance Company.