Commercial property coverage protects your studio space, office, and fixed equipment against fire, theft, vandalism, and weather damage. For photographers and producers who own or lease a studio in Chicago, this is the foundation of your property protection — separate from the equipment floater that covers gear on location.

General liability protects you when a client, subject, or bystander is injured on your set or at your studio, or when your work accidentally damages someone’s property. For photographers shooting at client locations or on public property in Chicago, general liability is often required by venues, brands, and production companies before they’ll allow you on set.

Cyber liability insurance protects your business from financial losses related to data breaches, cyberattacks, and other digital threats. It can cover costs such as data recovery, system restoration, legal fees, regulatory fines, customer notification, and credit monitoring for affected clients.

Fidelity and crime insurance protects your business from financial losses caused by theft, fraud, or dishonest acts—whether committed by employees or external parties. This coverage can include employee theft, forgery, embezzlement, robbery, and computer fraud.

Commercial auto insurance protects vehicles used for business purposes and the people who operate them. It provides coverage for liability, physical damage, and medical costs resulting from accidents involving company-owned or employee-driven vehicles.

Commercial Umbrella Liability insurance provides an extra layer of protection above your existing general liability, commercial auto, and employers liability policies. It kicks in when underlying coverage limits are exhausted, helping protect your business from large claims or catastrophic losses.

In Illinois, if you hire employees or regularly bring on crew, workers’ compensation is legally required. It covers medical costs and lost wages for anyone injured on set — from a lighting assistant to a stylist. We ensure your coverage stays current with your actual crew structure and payroll across shoots.

Camera and equipment coverage — often called an inland marine floater — protects your cameras, lenses, lighting, grip, audio gear, and digital storage against theft, accidental damage, and loss both on-set and in transit. Unlike standard commercial property policies, an equipment floater follows your gear wherever the job takes you: to a client’s location, across Chicago, or on the road. We size the floater to your actual gear value and ensure rented or borrowed equipment is covered when needed.