Photographer insurance can help protect you from:
The costs of property damage
You accidentally damage a client’s furniture, art or other property while on a shoot.**
Unexpected medical bills
A non-employee gets hurt at your place of business and asks you to cover costs for medical expenses.
Expenses around equipment theft
If someone breaks a window and steals your camera equipment from your studio or shop.
Get photographers insurance that’s fast, easy and affordable
NEXT specializes in small business insurance. Business insurance for photographers can help protect you, your company and your employees from the cost of unexpected events.
NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
General Liability insurance for photographers
general liability can help you pay for:
Professional Liability insurance (E&O) for a photography business
professional liability can help you pay for:
Workers’ Compensation insurance
workers compensation can help you pay for:
Commercial Property insurance for pro photographers
commercial property can help you pay for:
NEXT Insurance reviews
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Well explained, easy application and payment process.
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Getting WC insurance coverage through QBO was really simple and convenient. Highly recommended!
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I was very please with the help I received from Steve! Thank you so much for making me feel at ease. I feel like I may have finally found a good home for my companies insurance.
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Awesome service!
Next was so easy to use. I just advised them what I needed for my company in about a three minute survey, they gave me a quote, and I paid it. They sent me documents right away and...
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Save up to 25% in discounts on photography insurance coverage
Pay monthly or annually, and you can cancel at any time.
How much does business insurance cost for photographers?
Premiums for photographer insurance are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:
- The type of photographs you take.
- The types of clients you have.
- Your business location.
- Your number of employees.
- Annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.
How can photographer business insurance help your business?
You might need different types of insurance for photographers to help your business:
- Pay for accidents at work. General liability coverage could help cover costs if a client trips over your cords or you accidentally damage someone else’s property.
- Replace damaged gear. Commercial property insurance could help pay to repair or replace your photography gear, lighting, lenses or studio equipment after a fire, theft or burst water pipe at your shop.
- Resolve client disputes. Professional liability insurance may help cover legal expenses if a client claims you missed key shots, delivered late or made a professional error that cost them money.
- Hire employees. Most states require workers’ comp insurance for small businesses with employees.
- Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.
Photographer insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
What insurance do I need for my photography business?
Many professional photographers choose to protect themselves with:
- General liability insurance
- Professional liability insurance
- Workers’ compensation insurance
- Commercial property insurance
- Commercial auto insurance
Whether you’re a wedding photographer, commercial photographer or portrait specialist; if you have your own studio or tote your camera gear from city to city, business insurance could help.
What can photography insurance cover?
Our photographer insurance can cover many aspects of your photography business, including:
- Photographer equipment and photography gear like cameras, lights or other photo equipment
- Professional liability
- Your work studio or space
- The car, truck, trailer or other vehicle you drive for work
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.
