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.
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.
These insurance policies cover the most common risks of photo studios.
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.
A BOP is a cost-effective way for photography studios to purchase commercial property insurance and general liability coverage together.
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).
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.
This policy covers the cost of accidents involving a vehicle owned by a photography studio. Most states require this coverage for business-owned vehicles.
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.
A small studio can expect to pay less for photographer insurance than a large company.
Factors that affect premiums include:
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:
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.