Business Insurance for Photography Studios

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Photography Studio
Photography studio set up with a green screen.
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Save money by comparing insurance quotes for photography studios

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

Person under lights in a photography studio.
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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 icon

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.

  • 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 insurance policy for photography studios that bundles property insurance and general liability insurance together in one plan.

  • Customer injuries
  • Damaged customer property
  • Damaged cameras or other business property
Professional liability insurance icon

Professional liability insurance

This policy is also called errors and omissions insurance (E&O). It can cover legal expenses if a client sues a photography studio over the quality of their work.

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

Workers’ compensation insurance

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

  • Employee medical expenses
  • Missed wages
  • Legal costs
Looking for different coverage? See more policies.

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.

How much does insurance cost for photo studios?

Videographer calculating number of employees and value of equipment.

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

  • Photography services offered
  • Cost of cameras and other equipment
  • Revenue
  • Location
  • Number of employees
View Costs
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Photography Studio