Photographer insurance for photographers is an important part of operating and running a successful photography business. Photographer liability insurance for a photography business, including camera equipment and gear, are crucial to protecting the investment in your photography business. With photography insurance, your business continues on unaffected when issues arise. Without it, all it takes is one incident that ruins your camera equipment or one client who decides they want to claim you were negligent and fight you in court. Don’t take the chance, get it if it’s the only thing you do.
Types of Photography Insurance for Photographers
There are several types of photography business insurance for photographers and camera equipment to consider. Photographer liability insurance for photographers and cameras are the two most popular, but there are also different types of liability as well as other options that can extend to other potential areas where a claim could arise.
Professional Business Liability
Errors and Omissions clause to protect against negligence claims.
General Business Liability
Bodily harm and property damage coverage for accidents where injuries to a person or property take place.
Camera Insurance for Equipment & Gear
Camera insurance for equipment and gear, including cameras, lenses, computers, flash drives, lights, camera bags, tripods, etc. Photography equipment insurance is one of the two most important camera equipment insurance coverages you should be considering. Camera gear insurance can literally save you the cost of purchasing all your equipment if something happens.
Travel Photographer Insurance
If you travel a lot or are going on a working trip with you camera equipment & gear.
Homeowner’s or Renter’s (Studio)
If you own a studio or operate one out of your home or rental property. Also can used to insure property by adding to homeowner’s or renter’s policy.
Automobile Insurance for Photographers
Automobile coverage for commercial activities done on the job.
Disability Photographers Insurance
Optional extra coverage depending on what gaps in coverage you have based on other choices.
One Day Photography Insurance
For one day jobs that you must have insurance for if you otherwise don’t currently have a policy.
Providers of Business Liability & Camera Insurance for Photographers
There are a good choice of photography insurance providers to choose from that offer a variety of coverages and packages to customize a solution for your business.
- TCP – General Liability and Camera Equipment Insurance for your Photography Business starts at $500 per year. Quarterly installments available. Same day coverage. Same day certificates of insurance.
- Hill & Usher – Package ChoiceTM is a comprehensive carrier program administered by Hill & Usher. Since 1998, thousands of professional photographers and videographers throughout the United States have come to rely on the program for complete business insurance protection.
- The Hartford – A Business Owner’s Policy (BOP) combines business property and business liability insurance into one convenient policy. BOP Insurance helps cover your business from claims resulting from things like fire, theft or another covered disaster and from claims involving bodily injury, property damage and personal and advertising injury that could arise from your business’ operations.
- Hiscox – As a professional photographer, you’re a specialist in your field, and we are here to help you succeed. We understand the unique risks associated with being a photographer, which involve much more than getting the perfect shot. Professional photographers work in difficult conditions across a wide variety of fields. That’s why we offer photographers liability insurance to fit your specific needs in this ever-changing industry.
- Insureon – At insureon, we know the risks that photographers and videographers face every day. We’ll pair you with an agent who specializes in photographer and videographer coverage and who knows how to protect your business. Whether you photograph weddings, make commercials for local businesses, or aspire to be the next Pulitzer Prize-winning photojournalist, we have you covered.
- Allstate – A business policy may be customized to help cover a photography business. Common coverages in a business owners policy (BOP), combined with optional specialized coverages, may help protect a photographer’s income, assets and equipment, such as cameras, lenses and computers.
- Nationwide – From studio space to the latest cameras, lenses and editing hardware and software, you’ve made a serious investment in your profession. So it’s important to protect this investment with professional photographers insurance from Nationwide. Whether you operate out of your home or a studio, our photography business policy can be tailored to your specific situation.
- Progressive – Photographer insurance is coverage customized to meet the insurance needs of a professional photographer. Choosing the right coverages to meet your needs is vital, as it can help protect your business from the potentially devastating cost of a claim. Using the Progressive Advantage® Business Program, our experts can help set you up with the right business insurance for photographers.
- State Farm – Whatever kind of photography you specialize in – weddings, family, advertising, or studio – you’re exposed to certain risks. Let State Farm® help you build a policy that protects your photography business and its assets while you focus on making your clients look great. Your cameras, lenses, lighting, and other equipment are expensive, but they’re not exceptionally sturdy. What would happen to your business if one of your most-used pieces of photography equipment was damaged or stolen? Shipping companies can be super-careful. Just not with your stuff. And the insurance they carry generally protects them, not you. Backdrops, cables, lights, tripods, and other equipment can be dangerous. You could be responsible for the medical bills if someone is hurt by your gear.
- AON – The Canon Camera Equipment Insurance arranged by Aon covers your camera, lenses and some related equipment. Whether an opportunistic thief steals your camera from a shoot in Europe or your camera lens gets damaged in the Canadian Rockies, having protection from insurance arranged by Aon can help you focus on taking those extraordinary photographs. When it comes to insurance for Photographers, there are a few options available to you, and deciding which ones you need might not be easy. Aon is committed to making life easier for you by arranging insurance that’s easy to understand, buy and manage, so you can get quotes and take out a policy online in just a few clicks. Or if you do need help, our team of friendly experienced brokers are a phone call away to help you understand what insurances you may or may not need, but more importantly, why. Helping give you confidence that you’re making a better decision for you and your business.
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