If a photographer loses a memory card of wedding photos, or a client is injured on a photo shoot, it could result in a lawsuit. Photographer insurance can help pay legal fees and medical costs. Some policies may be required by client contracts, state laws, or commercial leases.
These policies cover common risks faced by photography businesses.
This insurance covers basic photography risks, such as customer property damage and injuries. Bundle with equipment insurance in a business owner’s policy (BOP) to save.
A BOP is a cost-effective insurance policy for photographers that bundles commercial property insurance and general liability coverage together in one plan.
This liability policy is also called errors and omissions insurance (E&O). It covers legal expenses if a client sues a professional photographer over the quality of their work.
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 business. Most states require this coverage for business-owned vehicles.
This policy protects your cameras and other photography equipment that travels outside of your office. It covers property losses due to theft, fires, storms, and vandalism.
It’s easy to get insurance coverage as a freelance photographer or photography business if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy policies online and get certificates of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your photography business, whether you work independently or hire employees.