Insurance for Photographers

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Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

From
39
Month
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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

Protect your business against professional errors


General Liability (GL) + Professional Liability (PL)

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All Basic plan benefits and:

  • Professional negligence
  • Retroactive claims (previous contracted work)
  • Subcontractor errors

PRO

When you also have equipment or work from an office


GL + PL + Inland Marine

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All Standard plan benefits and:

  • Protect your equipment if they travel from place to place
  • Cameras
  • Lightning equipments
  • Rented equipment etc.

CUSTOM

When you have specific requirements


Including Commercial Auto, Workers Compensation, etc.

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We've Got You Covered with Coverage You Need

Photographers should be very careful to protect their equipment and photos while they are working. One easy way to mitigate risk is to purchase high quality camera and equipment protective cases for safe transportation. There are also tools photographers can invest in to prevent things like water and sun damage, when appropriate. Additionally, photographers should ensure that any photos they’ve taken at work are securely backed up to prevent loss. Unfortunately, no matter how careful a photographer is with their equipment and work, accidents still happen. That’s why it’s important to purchase a well-rounded mix of insurance policies that protect you, your equipment, and your business no matter what.

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Frequently Asked Questions

How Photographers and Insurance connect?

Photographers often have a blend of technical and creative skills - they need to know how to operate camera equipment, but they also need to have an artistic eye in order to take captivating photos. A photographer could take many career paths: they could work at a newspaper producing photos to appear alongside news articles, they could work in-house at a company taking photos of their products and marketing campaigns, but many go the independent route and work for a variety of clients, perhaps specializing in one industry or type of photography.

Independent photographers often purchase and store their own equipment, travel for assignments, and deal directly with their customers. As business owners providing a professional service, they face a number of risks that require insurance to ensure their business and assets are protected in any situation.

What risk Photographers could face?

The most expensive part of starting and maintaining a photography business is probably the equipment. In addition to a pricey camera that can cost thousands of dollars, professional photographers usually need multiple stands and tripods, lenses, film, backup batteries, and more. Expensive gear can easily be ruined if you’re taking photos in the rain, someone knocks something over, or there’s some other type of accident. Expensive camera equipment is also a tempting target for thieves. Camera Insurance is of high importance.

In addition to protecting themselves from costly equipment theft or damage, photographers must also take care to preserve the photos they’ve taken. Many assignments will be “once-in-a-lifetime” experiences, like weddings or important cultural events, meaning lost photos can’t simply be re-shot. A faulty memory card can end up being a pretty big deal. And even if photos are preserved, customers might not always be satisfied with them. If a customer doesn’t feel they received the services promised in your agreement, they could sue.

Just like other small business owners, photographers who work for themselves face numerous risks in the course of doing business, and they need insurance to protect themselves.

Do I need insurance for wedding photography?

Yes. At a minimum a wedding photographer should carry General Liability insurance to protect you from liabilities of lawsuits and other common claims. This will protect your business if you are faced with lawsuits arising from the wedding event.

How can I insure my camera gear?

The cost of having to repair or replace your camera gear will put a huge dent in your pocket. Protect your camera gear with Camera Insurance.

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