Keep your photography equipment and your business safe and work stress-free. The Photography Insurance package is designed specifically for photographers and professionals offering photography-related services. This comprehensive package covers work equipment and offers other essential coverage from various risks, including lawsuits, theft, property matters, and other perils.

Whether you run a small or a massive business, work as a freelance photographer or anything in between, our Photography Insurance package has something for everyone. Let us help you build an exclusive policy to meet your unique business needs.

Photography insurance protects your business and your personal assets when the need arises, such as if a fire broke out at your studio and you need to replace all your expensive equipment. If your business is paramount to you, you must protect it at all costs. If you insure your car, why not your business? After all, your business is your income source and the product is the fruit of labour and hard work. Without Photography Insurance, you make yourself vulnerable and risk losing the business you worked so hard for all this time.

Moreover, there can be other instances where your involvement as the photographer could result in damages, and you have to suffer the repercussions. How can you pay for damages to expensive furniture or decor that broke if someone tripped over your wiring or lighting stand? What if a family demands you cover the medical bills from an accident that transpired in your place of business? Without Photography Insurance, your out-of-pocket expense can be very costly.

Additionally, venues or organizations such as schools and sports leagues can mandate that you carry professional liability insurance while working there. Having a policy in place gives you opportunities and jobs that could pay well, promote your business, and increase your credibility.

Yes, most photographers will need general liability coverage. CGL gives your business security from unexpected and stressful costs associated with accidents or bodily injury to the client, third parties, or someone’s property relating to your business.

If you are in the photography business no matter the capacity, then you need insurance. It can be very important for:

Whether you are self-employed, a freelancer, or an employee, Photography Insurance offers a wide range of protection relevant to you. Coverages we offer include:

• E&O (Errors and Omissions or Professional Liability): If your client is dissatisfied with your service, accuses you of negligence, or believe that you made mistakes while touching up the photos, they may sue you. E&O covers legal expenses and damages awarded so you can work stress-free.
• Commercial General Liability (CGL): Accidents happen on the job. CGL covers bodily injury, personal injury, and property damage during the photoshoot and more.
• Contents: Protect your camera, reflectors, studio backdrop, and more in your workplace.
• Equipment Floaters: This coverage protects your equipment that you move often from one place to another. If you lose or damage your expensive camera while out on a job, you are covered.
• And more.

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The Photography Insurance cost can vary based on factors including:

• Annual and Projected Income
• Applicant Details
• Claims History
• Deductibles
• Specified Coverage
• Number of Employees
• Policy Terms and Limits
• Services Offered
• Size of the Company
• Types of Equipment
• and more

Complete your online application and get a free quote within minutes! It does not cost anything or require you to proceed with the coverage once a quote is provided.

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If your business holds various sessions and bookings throughout the year, having annual insurance with equipment floater coverage will cover the equipment you take out to different events like weddings, adventure shoots with drones, or wherever you are if it is stolen or damaged by some weather events like a rainstorm. It can also be cheaper from a cost and administrative perspective to simply hold an annual policy vs arranging insurance separately each time.