Business Insurance for Photographers

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Or call us at (800) 688-1984
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Save money by comparing insurance quotes for photographers

If a photographer misplaces a memory card or fails to meet customer expectations, a client might sue. Photographer insurance can pay for legal costs and protect valuable camera equipment.

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One application, multiple quotes

Insureon helps freelance photographers and photography businesses compare quotes from top U.S. carriers. Get several quotes with one application.

What types of business insurance do photographers need?

These policies cover common risks faced by freelance photographers and photography businesses.

General liability insurance icon

General liability insurance

This policy covers basic photography 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 icon

Business owner’s policy

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

BEST FOR
  • Customer injuries
  • Customer property damage
  • Damage to cameras and other business property
Professional liability insurance icon

Professional liability insurance

This policy is also called errors and omissions insurance (E&O). It covers legal expenses if a client sues a photographer over the quality of their work or failure to appear at an event.

BEST FOR
  • Lost or low-quality photos
  • Accusations of negligence
  • Late arrivals or missed events
Workers’ compensation insurance icon

Workers’ compensation insurance

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

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

Why do photographers need insurance?

If a photographer loses a memory card containing wedding photos or damages a client’s property, it could result in a lawsuit. Photographer insurance can help pay your legal fees. Plus, a photographer may have to present a certificate of insurance to satisfy a client contract or commercial lease.

How much does photographer insurance cost?

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

  • Photography services offered
  • Value of cameras and other equipment
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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