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Your business insurance coverage is designed to meet your needs
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.
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:
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.
Most of our customers pay less than $17 per month for photographer general liability insurance.
It can protect your business from financial losses related to:
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.
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’ 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 states require commercial auto insurance for business-owned vehicles to help pay for incidents related to your work vehicle.
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.
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.
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.
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.
starting from $16 per month
$500,000 occurrence limit
$500,000 aggregate limit
$0 deductible
Per accident: $100,000
Combined single limit: $85,000
Per occurrence: $25,000
Buy My Policy$1,000,000 occurrence limit
$1,000,000 aggregate limit
$0 deductible
Per accident: $500,000
Combined single limit: $100,000
Per occurrence: $25,000
Buy My Policy$1,000,000 occurrence limit
$2,000,000 aggregate limit
$0 deductible
Per accident: $1 million
Combined single limit: $1 million
Per occurrence: $25,000
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