Photographer insurance for working photographers is an important part of operating and running a successful business. Photographer liability insurance and photography business insurance, including equipment insurance are crucial to protecting the investment in your photography business. With photography insurance, your business continues on unaffected when issues arise. Without photography insurance, all it takes is one incident that ruins your equipment or one client who decides they want to claim you were negligent and fight you in court. Don’t take the chance, get your photography insurance if it’s the only thing you do.
Types of Photography Insurance for Photographers
- Professional Liability Insurance – Errors and Omissions clause to protect against negligence claims.
- General Liability Insurance – Bodily harm and property damage insurance coverage for accidents where injuries to a person or property take place.
- Equipment Insurance – Camera equipment and gear insurance, including cameras, lenses, computers, flash drives, lights, camera bags, tripods, etc.
- Travel Insurance – Travel insurance if you are going on a working trip with you equipment.
- Homeowner’s or Renter’s Insurance – Studio insurance if you own a studio. Also can used to insure property by adding to homeowner’s or renter’s policy.
- Automobile Insurance – for commercial activities done on the job.
- Disability Insurance – optional extra coverage depending on what gaps in coverage you have based on other insurance choices.
- Life Insurance – optional
- 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 Photography Insurance
- TCP Insurance – 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 Insurance – Package ChoiceTM is a comprehensive, multi-insurance carrier program administered by Hill & Usher Insurance & Surety. 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 Insurance – 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 Insurance – 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, and we know insurance. We’ll pair you with an agent who specializes in photographer and videographer insurance 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 Insurance – A business insurance 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 Insurance – 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 insurance can be tailored to your specific situation.