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Photographer insurance

Get protected from $18.33 a month

Quote online and buy in minutes

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Quick & easy

Flexible payments

Friendly advisors

Photographer insurance

Get protected from $18.33 a month

Get my quote

Quick & easy

Flexible payments

Friendly advisors

Choose your cover, protect your business
Professional liability (errors & omissions) insurance
From $18.33a month
If a client claims you've made a mistake and it's cost them, professional liability insurance can cover your legal costs and damages, if you're liable.
General liabilityinsurance
From $28.83a month
Takes care of medical expenses, your legal defense and compensation, too, if you're liable. Even if a claim is groundless.

Quote online and buy in minutes

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Business insurance for photographers

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.

  • Who needs photographer insurance?

    • Advertising photographers
    • Aerial photographers
    • Baby and newborn photographers
    • Event photographers
    • Family photographers
    • Fashion photographers
    • Food photographers
    • Landscape photographers
    • Macro/micro photographers
    • Medical photographers
    • Pet photographers
    • Photojournalists
    • Real estate photographers
    • School photographers
    • Sports photographers
    • Travel photographers
    • Underwater photographers
    • Wedding photographers
    • Wildlife photographers

    ...and many more.

  • How much does photography insurance cost?

    Our photographer insurance policies start at around $18.33 a month. 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.

  • What insurance do I need for my photography equipment?

    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.

What other kinds of insurance do photographers need?

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:

  • Equipment breakdown
  • Money transfer fraud
  • Electronic data loss.
More info

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

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.

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Prefer to talk?

For help, support or just a quick question, feel free to call me.

I'm Deniel - I'm here to help you Monday to Friday, 9 to 5.30 (EST).

My direct line is 978 344 4229.

Deniel

Deniel Fleming
Account Executive

Get protected from $18.33 a month

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