Photography Studio Insurance

Photography Studio
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Why do photo studios need insurance?

The mix of technical gear and close work with clients results in high risk. If a client trips over camera equipment and breaks a wrist, photography business insurance can help cover repair costs and medical bills. Some policies, like workers' compensation, may be required by law.

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Find the right coverage

Insureon helps photo studios find policies that match your unique risks.

Get free expert advice and peace of mind knowing you have the right liability and equipment insurance for your small business.

Which business insurance policies do photography studios need?

These insurance policies cover the most common risks of photo studios.

General liability insurance icon

General liability insurance

A general liability policy helps cover financial losses from third-party accidents, such as a client who trips and suffers an injury during a photo shoot.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Business owner’s policy icon

Business owner’s policy

A BOP is a cost-effective way for photography studios to purchase commercial property insurance and general liability coverage together.

  • Customer bodily injuries
  • Customer property damage
  • Damaged or stolen business property
Professional liability insurance icon

Professional liability insurance

This type of insurance covers legal fees if a client sues a professional photographer over the quality of their work. It’s also called errors and omissions insurance (E&O).

  • Lost photos
  • Accusations of negligence
  • Claims you delivered low-quality photos
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for photography businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Legal costs
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Commercial auto insurance

This policy covers the cost of accidents involving a vehicle owned by a photography studio. Most states require this coverage for business-owned vehicles.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
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Inland marine insurance

This policy protects equipment owned by your photography studio that travels outside of your office. It covers property losses due to theft, fires, storms, and vandalism.

  • Cameras brought to a photo shoot
  • Photography equipment in transit
  • Business property at a storage unit
Looking for different coverage? See more policies.

How much does insurance cost for photo studios?

Photo and video professional calculating the cost of business insurance.

A small studio can expect to pay less for photographer insurance than a large company.

Factors that affect premiums include:

  • Photography services offered
  • Value of photography equipment
  • Business income
  • Types of coverage purchased
  • Coverage limits and deductibles
View Costs

State insurance requirements

How do I get photography studio business insurance?

It's easy to get photography insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. carriers to find coverage that fits your photography studio, whether you work independently or hire employees.

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