Business Insurance for Photography Studios

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Business insurance for your photography studio can protect against client injuries, damaged cameras, lawsuits related to image copyrights, and more.

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One application, multiple quotes

Insureon helps photography studio owners compare insurance quotes from top U.S. carriers online. Get several free quotes for photography studio business insurance with one application.

What types of insurance do photography studios need?

These policies provide coverage for common risks of photography studios.

General liability insurance

This policy covers common photography studio risks, such as customer property damage and injuries. Bundle with property insurance in a business owner’s policy to save.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Business owner’s policy

A BOP is a cost-effective insurance policy for photography studios that bundles property insurance and general liability insurance together in one plan.

BEST FOR

Customer injuries
Damaged customer property
Damaged cameras or other business property

Professional liability insurance

This policy, sometimes called errors and omissions insurance, can cover legal fees for photography studios if a client sues over work performance.

BEST FOR

Lost photos
Accusations of negligence
Claims you delivered low-quality photos

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for photography studios that have employees. It can cover medical fees and lost wages for work-related injuries.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

Looking for different coverage? See more policies.

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See photographer and videographer insurance requirements in your state

Choose your state to learn about insurance requirements for photographers and videographers.

How much does insurance cost for photo studios?

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Several factors will have an impact on insurance costs, including:

Photography services offered
Cost of cameras and other equipment
Revenue
Location
Number of employees

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What our customers are saying

"Denise Smith is a breath of fresh air. I loved every second dealing with her. And, yes, I'm talking about buying insurance. Most people don't love that, but Denise made the experience exceptional. She is a rock star!"

Kristine W.

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Why do photography studios need insurance?

If a customer trips on an extension cord and breaks an arm in your studio, or claims you ruined a family portrait, it could result in a lawsuit. Photo studio insurance can protect photographers against unhappy clients, third-party injuries, damage to your photography studio or cameras, and more.

Compare business insurance quotes for photography studios

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