NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Photographer Insurance

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

Choose your primary coverage to get started:

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

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

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

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

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

Best E&O insurance

Wendy S.

Best insurance for my company

Best insurance for my company

Nichole M.

owner

Prompt customer Service

Carlos S.

Great service

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.

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
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
How much does business insurance cost for photographers?

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?

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.

Frequently asked questions about business insurance for photographers

Here are some of the most common questions we get about liability insurance for photographers. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect photographers?

Our event and commercial photographer insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to photographer insurance claims, such as:

Damage to someone’s property

While photographing designer jewelry, you drop a necklace and break its glass pendant. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A piece of lighting equipment falls over and injures a client. Your general photographer liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries

You trip over a rock during an outdoor photo shoot and injure your knee. You have to cancel the shoot while you recover. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

You get caught in a rain storm on the way to a shoot and slide into a tree, crushing the bumper and hood. Commercial auto insurance can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

Thieves break into your studio overnight and steal expensive photography equipment. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

I need to add a client/venue as an additional insured. How do I do this?

To add a venue or client as an additional insured, click the “Login” button in the top right corner. Once you log in using your email and zip code, you will be sent a verification code that will then allow you two options, a general-use certificate or a certificate listing a client or venue. Choose the second option, enter the name and address, and the document will be delivered in a matter of seconds!

I only need insurance for one day. Can I get a quote for short-term insurance?

Our policies are written on an annual basis. Unfortunately we do not have any shorter term insurance options available at this time.

I’m a videographer. Does your coverage apply to me?

Yes, videographers are also covered under the photography policy.

Why would I buy photography insurance? Won’t my homeowner’s insurance cover it if I add a rider?

In some instances, your camera equipment may be covered by your homeowner’s insurance. However, typically any business operations are excluded from homeowner’s insurance, so it would be best to check with your carrier before deciding not to purchase Photographer insurance for General Liability and equipment coverage.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO 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 an ERGO 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, 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.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.