Photography business
insurance
Let us help you find the right insurance coverage to protect your photography business.
Or call 844-925-1272 for a quote
Your photography business is your livelihood. Protect it.
You’ve worked hard to build your photography business. We’ll work hard to find you a customized insurance solution to protect it from the unexpected.
Get customized insurance for your...
- Photography studios
- Event photographers
- Portrait photographers
- Sports photographers
- Wedding photographers
- Freelance photographers
- Nature photographers
- Real estate photographers
These are just a handful of the types of photography businesses we work with. Our industry expertise allows us to offer coverage to a wide range of businesses.
Why does a photography business need business insurance?
Small business insurance helps keep your photography business thriving when the unexpected occurs. Use it to protect yourself from risks common to photographers, whether it’s accidental property damage at a shoot location or theft of specialized camera equipment.
Why choose Liberty Mutual to protect your business?
Why work with independent insurance agents
What kinds of insurance does a photographer need?
Here are the main types of insurance photographers choose to protect their business.
General liability
General liability insurance protects photographers from claims of bodily injuries and property damage.
Protect your photography business from a variety of incidents that bring liability claims, such as:
- Injury to a client or model from a light stand that unexpectedly collapses
- Injuries to clients and models who slip and fall while in the studio
Commercial property
Most photographers get commercial property insurance to protect themselves from the financial impact of property losses.
Supplementing commercial property with photographic equipment coverage extends additional protection to your equipment.
Get general liability and photographic equipment insurance to safeguard your business from losses like
- Theft of cameras, lenses, and lighting equipment
- Damage or loss of photographic equipment caused by others
- Studio damage from a flood or fire
Workers compensation
Have employees? Most states require that any small business with one or more employees have workers compensation insurance.
Workers compensation helps protect your photography business when an employee gets sick or injured on the job, such as
- Paying for an emergency room visit when an employee gets injured on the job
- Offsetting lost wages when an employee needs time off to recover from a work-related injury
- Covering physical therapy when an employee develops a repetitive stress injury from lifting and carrying heavy equipment
Is a business owner's policy right for you?
A business owner's policy (BOP) combines general liability and commercial property in a single policy. You can supplement a BOP with other coverages like business income and cyber.
Photography insurance frequently asked questions
To get photography insurance, you can start a quote online or speak with an independent agent. An agent can help you identify potential risks and review additional coverages, if needed.
The cost of photography insurance varies depending on the coverage needed to address the risks unique to your business.
Keep in mind that the cheapest photography insurance isn’t necessarily the best photography insurance.
Many clients will ask to see a certificate of insurance (COI), a document that proves you have general liability coverage. They may also ask you to list them as an additional insured on your certificate of insurance.
You can easily obtain a certificate of insurance by logging in to your account with your insurance provider and downloading a copy.
A hobbyist takes photos for personal enjoyment while a commercial photographer takes photos for payment.
A hobbyist can rely on personal policies, such as homeowners or renters insurance, to protect their equipment and photos from covered losses.
Commercial photographers generally get commercial photography insurance to protect their equipment and livelihoods.
Wedding photographers usually get commercial photography insurance to protect themselves from general liability risks.
Protect what you've worked
hard to build
hard to build
Take the first step by getting a quote now or finding an independent
agent who can help you choose the right coverage options.