Whether you specialize in family portraits, wildlife, cityscapes, or something else, being a photographer can be incredibly rewarding, personally, professionally and even financially. The average annual salary for a photographer in the US falls between $20,000 and $80,000 per year.
From that, you need to meet your family’s financial needs – mortgage payments, car payments, tuition, and more. You also need to meet the needs of your photography business. However, the threat of disability hangs over you. What happens if you’re ill or injured and cannot work? Photographer disability insurance can help.
You Are at Risk
Your first thought might be that because you’re a photographer, you don’t have the same level of risk as other professionals in more dangerous occupations. That’s not the case. Most disabilities don’t stem from workplace accidents, but from medical conditions that cannot be protected against. You have little say in whether cancer affects your life, or whether arthritis makes it impossible to use your camera. Photographer disability insurance can provide you with relief in these instances.
Disability insurance works quite simply. Once you have been out of work for a specified period of time, due to a qualifying disability, you will begin receiving payments. Those payments are issued by your insurer, and are based on your average monthly income. You can use that money to do whatever you need, whether that’s keeping your family afloat financially, or helping out your business (note that a business overhead expense, or BOE, policy is also an important consideration).
The real issue here is finding the best photographer disability insurance policy for your needs. Insurers vary dramatically – some of them don’t even have the same definition of what conditions equate to a disability. So, you’ll need to make an informed, accurate comparison before buying a policy. That’s where we come in. We help you compare policies and disability coverage from top-ranked insurance companies in the US and obtain the protection you need.
Call us today at 1-877-221-6198 or use the form on this page to get in touch with us.