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Your clients rely on you to capture special scenes that’ll last forever. Slip up, though, and the day might be remembered for all the wrong reasons.
Things can and do go wrong at photo shoots. Toppling tripods, difficult clients, unpredictable weather, and sudden kit failures can all add to the pressure.
Dropping a camera on someone’s foot or knocking over a vase is embarrassing enough. But what if the client’s also not happy with their photos? What if they ask for a re-shoot or even sue you for negligence?
Photography insurance protects you from costly court claims and compensation demands. It’s a reputation saver and a financial buffer in one.
...and many more.
The cost of your coverage will vary depending on the size of your business, its location, and the coverage limits you choose.
Whatever the cost, there’s a photography business insurance package to fit your needs. And payment options, too, so you can spread the cost. You can pay your premium in one installment - or four. It’s up to you.
To protect your kit when you’re away from the studio, you need to add business personal property (BPP) to your package.
It’s worth it. Your equipment is more likely to get lost, stolen, or damaged when you’re out on a shoot. And how will you work without it?
Think carefully about the limits you choose, and how much it’s likely to cost you if you had to replace all your kit – from the smallest SD card to your biggest lens. It’s best to err on the side of caution and buy more coverage than to set the bar too low.
Business personal property insurance (BPP)
If you take equipment like laptops and mobiles to meetings, this policy is worth having. It also covers the portable stuff in your office - from your furniture to your potted plants.More info
Business owner's policy (BOP)
Comes with general liability, property, and business equipment insurance as standard. Plus, a range of optional add-ons, including coverage for:
Cyber liability insurance
If you use email, own a website, or store client data, cyber insurance is a must. It can’t stop a cyber-attack, but it can pay your recovery costs so your business survives from one.More info
Workers' compensation insurance
Most states require you to have this policy even if you only have one employee. It’s good to have anyway. It protects your business from the cost of workplace illness and injury claims which can be crippling.More info
Because we understand every photographer is different, we'll build an insurance package to suit your needs. In minutes.
To build the right insurance package for you call one of our licensed advisors today on 978.344.4215.
What is the difference between professional liability (PL) and errors and omissions insurance (E&O)?
For help, support or just a quick question, feel free to call me.
I'm Cassandra - I'm here to help you Monday to Friday, 9am-5pm ET.
My direct line is 978 344 4200.
Senior Customer Service Representative