Photographer Insurance

You can save up to 25% on insurance for photographers.*

Choose your primary coverage to get started:

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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.

NEXT specializes in business insurance for photographers

Insurance for a photography business is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for photographers

Protection for damage to other people's property and bodily injuries to non-employees

A general liability policy can help cover costs if a client has medical bills after tripping over your light stand, or you accidentally damage client property on location. Many venues or commercial clients require photography liability insurance before they’ll hire you.

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability (as an add-on)

Professional Liability insurance (E&O) for a photography business

To help protect you from professional mistakes

Professional liability insurance (also called errors and omissions insurance or E&O) can help cover costs if a client claims your work caused them financial loss. This could be things like missed deadlines, lost photos or dissatisfaction with a shoot. Photography liability insurance is designed to help protect photographers from legal accusations of professional errors — even if you’re not found to be at fault.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers’ Compensation insurance

For employee work-related injury and illness

Workers’ comp insurance, required in most states if you have employees, can help cover medical expenses and lost wages if an employee is injured at work. You can add business owner’s coverage for yourself for extra protection.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Commercial Property insurance for pro photographers

If you own or rent your own studio or shop

Commercial property insurance can work as camera insurance or photo equipment insurance to help protect your place of business and the gear inside. It can help cover repair or replacement costs if your studio or photography equipment are damaged by a covered event like fire, theft or vandalism at your business.

commercial property can help you pay for:

Damaged or stolen cameras lighting and other equipment at your business

Lost income if you must close for repairs after a covered event

Repairs to your workspace after a fire or vandalism

ERGO NEXT Insurance reviews

Best E&O insurance

Wendy S.

Best insurance for my company

Nichole M.

owner

Prompt customer Service

Carlos S.

Great service

Alejandro G.

Sales process

Well explained, easy application and payment process.

John C.

Simple and Convenient

Getting WC insurance coverage through QBO was really simple and convenient. Highly recommended!

Sandra T.

Business insurance

Good price and great customer service

JOSEPH P.

Great Service

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.

Sharon N.

Very Pleased with this service.

Marvin H.

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...

Bobbie H.

Save up to 25% in discounts on photography insurance coverage

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

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.