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Photographer Insurance Costs and Coverage

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How much does photographer insurance cost?

Photographer business insurance can cost as little as $16 per month but the exact price you need to pay will vary depending on your specific circumstances and needs. 

The amount you pay for insurance is determined by the kind of work you do, where you work and how many employees you have. 

For example, if you are a photographer who lives in Maine, your insurance is going to be less than a photographer who lives in California. This is because some professions are inherently riskier, different states have different regulations and more populous areas have more expensive insurance rates.

Note: It’s important to provide the most accurate information about your business to make sure you get the coverage that is right for you, so that your claims are covered by your policy and so that any claim you might make is processed as quickly as possible.

 

What are the coverage and pricing options for photographer insurance?

We offer customized packages so you never have too much or too little coverage. You pay only for what you need.

By bundling together more than one kind of coverage you can save up to 10% on the overall cost of your insurance. Photographers like you typically have a combination of coverage in their insurance package, including:

  • General liability if bodily injury or damage to someone else or their property occurs
  • Workers’ compensation if you or an employee has an accident 
  • Commercial auto if you frequently drive for work
  • Commercial property you own your own building, lease property or work from home

After you answer a few basic questions with our online instant quote, you can review your options and choose the amount of coverage you want from our Basic, Pro and Pro+ packages. 

Continue reading to learn more about how much different types of business insurance cost and their coverage limits.

How much is photographer General Liability insurance?

Most of our customers pay less than $17 per month for photographer general liability insurance.

General liability insurance costs for photographers

It can protect your business from financial losses related to:

  • Customer injuries
  • Damage to someone’s property
  • Copyright infringement 

It’s always a good idea for photographers to have general liability coverage so you have a level of protection against unforeseen accidents and injuries. It’s also helpful to know the rules and regulations for being a photographer

General liability insurance is a basic for any self-employed photographer, whether people come in and out of your studio or you travel to other people’s sites. Covering medical expenses, legal fees, repair costs, and more, your photographer insurance policy is there to support you as your business grows.

 

Most of our customers pay: $16 per month, or about $200 annually (we don’t charge any additional fees for monthly payments).
Per occurrence limit: $300,000 to $1 million, depending on your policy. (“Per occurrence” refers to the most amount of money you’ll receive after a filed claim is approved).
Aggregate policy limit: $300,000 to $2 million, depending on your policy. (“Aggregate policy limit” refers to the amount of money your policy will cover, usually about a year).
Deductible: $0. (A “deductible” is the amount of money you’d have to pay out of pocket if you made a claim).

How much is photographer Workers’ Compensation insurance?

Workers’ compensation insurance helps to pay for medical bills and lost wages if an employee is injured on the job.

You can also add business owner’s coverage to protect yourself.

Workers' comp insurance costs for photographers

 

Workers’ compensation coverage makes it possible for injured employees to take the time they need to recover by helping to pay for medical expenses and lost wages.

Employer liability insurance (ELI) provides protection for instances in which the employer is liable for the injury to an employee. For example, an employee falls off scaffolding because the employer didn’t maintain the safety harness and the employee decides to sue for additional amounts.

 

Most of our customers pay: $21 to $58 per month, or about $250 to $690 annually (depending on how many employees they have on the payroll)
Workers’ comp no limit Coverage and benefits paid out according to state laws. Workers’ compensation covers any work-related employee injury, regardless of liability.
Employer Liability insurance (ELI): Protection for instances in which the employer is liable for the injury to an employee.
Bodily injury per accident: $100,000 to $1 million, depending on your policy
Bodily injury by disease (per employee): $100,000 to $1 million, depending on your policy
Bodily injury by disease (aggregate): $500,000 to $1 million, depending on your policy

How much is photographer Commercial Auto insurance?

Most states require commercial auto insurance for business-owned vehicles to help pay for incidents related to your work vehicle.

Commercial auto insurance costs for photographers

You might not have coverage from your personal car insurance if you get in an accident while driving for work.

Commercial auto coverage provides insurance for your vehicle when it’s driven for personal or work use. It can help pay for expenses that result from injuries, property damage, collisions, underinsured motorists, rentals and towing.

 

Most of our customers pay: $140 to $200 per month, or $1,700 annually (we don’t charge any additional fees for monthly payments).
Per occurrence limit: $300,000 to $1 million, depending on your policy
Aggregate policy limit: $300,000 to $2 million, depending on your policy
Deductible: $0

How much is photographer Commercial Property insurance?

Commercial property insurance can help with replacement costs or repairs to your equipment, inventory and real estate (if you own it) if damage is caused by faulty sprinklers, frozen pipes, a power surge or other covered event.

Commercial property insurance costs for photographers

Since property insurance sets limits based on what you need in a specific situation, coverage is unique to every customer. For example, if the building you own burns down in a fire, it may cost $250,000 to rebuild whereas your neighbor’s building may only cost $100,000.

 

Most of our customers pay: $20 to $32 per month, or about $240 to $380 annually.
Deductible: $500

How do I get a quote for photographer business insurance?

Start an instant quote with NEXT to see what business insurance best suits your needs. We’ll ask you some basic questions about your operations, which we’ll use to create a customized insurance quote.

Once you’ve received your quote you can adjust the limits before making a purchase. You’ll be covered as soon as you’ve bought the insurance you want, and you’ll have instant access to your certificate of insurance. The self-service tools also allow you to pay premiums, add an additional insured and file claims. 

Getting insurance through NEXT can be done entirely without talking to an agent. And if you do have questions, our licensed, U.S.-based insurance professionals are ready with the answers.

Start a free instant quote today.

Choose the Plan that’s Right for You

starting from $16 per month

Basic

General Liability

$500,000 occurrence limit
$500,000 aggregate limit
$0 deductible

Workers' Compensation

Per accident: $100,000

Commercial Auto

Combined single limit: $85,000

Commercial Property

Per occurrence: $25,000

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Pro

General Liability

$1,000,000 occurrence limit
$1,000,000 aggregate limit
$0 deductible

Workers' Compensation

Per accident: $500,000

Commercial Auto

Combined single limit: $100,000

Commercial Property

Per occurrence: $25,000

Buy My Policy

Pro Plus

General Liability

$1,000,000 occurrence limit
$2,000,000 aggregate limit
$0 deductible

Workers' Compensation

Per accident: $1 million

Commercial Auto

Combined single limit: $1 million

Commercial Property

Per occurrence: $25,000

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What’s Covered by Photographer Insurance?

Personal injury

Personal injury

While you're switching lenses, someone trips over your camera bag and breaks an ankle. They sue you for the expenses associated with the injury.
Property damage

Property damage

You accidentally knocked over an expensive lamp while on your way to a family portrait session in a client's home.
Advertising harm

Advertising harm

A large company sues you for copyright infringement on your website.
Medical payments

Medical payments

A client slips and falls on your premises, and they want you to cover their trip to the ER.

Photography, including

Businesses operated out of your home
Businesses without a name
Photography on-site

What’s Not Covered by This Policy?

Certain types of activity

All activities involving drones
Damages or injuries related to animal attacks
Damage to software, such as images stored on a laptop
Any sort of mobile photography business where the vehicle is used for photographs
This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please contact us.

Why Choose Next Insurance for Your Photography Business Insurance?

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