Next Insurance is a one-stop shop to help you get the photography insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
Photographer insurance costs vary based on the risks that your business faces, such as:
You might be required to have photographer insurance due to the risk of injury to clients and damage to property while on location — especially if you are working at an events space or for corporate clients.
You might need insurance to:
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.
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:
To add a venue or client as an additional insured, go to www.nextinsurance.com and use the “Proof of Insurance” 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 login 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.
You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us: the name your policy is under so we can find the right ones, where the incident happened, what the injured person was doing at the time and the type of injury sustained and details and contact information for everyone who was involved. A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business. Check out our claims page for more details.
