Camera repair businesses typically service film and digital cameras, camcorders, photography equipment, and maybe even lenses. These businesses are exposed to the same risks as others, but there are also specific camera repair businesses face. This is why we offer insurance programs tailored to the unique needs of the camera repair industry, including General Liability, Business Auto, Errors & Omissions, Property, Crime, Workers’ Compensation and more.
Safety is a concern for customers and other visitors who visit camera repair shops. Someone tripping over an electrical cord or falling down a set of stairs could result in a serious injury requiring costly medical attention. Lawsuits could also arise if photographic equipment is improperly repaired and causes personal injury or property damage to customers or their property.
Workers’ Compensation risks involve on-the-job injuries to employees. This may include cuts, burns, falls, and back injuries due to heavy lifting. Worker’s Comp covers medical costs related to worker injuries, as well as also lost pay if the employee’s injuries are serious enough to keep them from work.
The risk of auto accidents exists when camera repair shop owners and their employees use non-owned or hired vehicles for business activities. For example, if employees use their cars to deliver customer equipment or do repairs outside the office and cause an accident, and if their Personal Auto limits are not sufficient, the damages and injuries will be covered by your Business Auto plan.
The premises and contents of of a camera repair shop, including specialized tools, equipment and parts inventory, are at risk of being lost due to a fire, severe weather, theft, vandalism or an electrical/plumbing mishap. Catastrophic weather events can cause serious damage to a building. Burst water pipes and faulty electrical wiring can also result in serious damage to floors, ceilings, and equipment. Property insurance covers the cost of repairs and replacement, as well as any lost income if the business cannot be conducted while repairs are being made.
Crimes against camera repair shops are typically the result of employee dishonesty, which may take the form of embezzlement or theft of money or equipment that results in a monetary loss for the business or its clients. For example, an employee could steal the equipment that customers brought in for repairs or steal cash from the register.