Photographer Insurance

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’ll 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 would 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 would 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 will 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.

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!

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

Yes, videographers are also covered under the photography policy.

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.

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.