How much does photographer insurance cost?
Photographer insurance can cost as little as $16.67 per month¹ but the exact price will vary depending on your specific circumstances and needs.**
The kind of work you do, where you work, how many employees you have and other factors will impact your customized quote.
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 to each customer so you can find the coverage that you want. You pay only for what you need.
Photographer business owners like you typically purchase a combination of coverage in their insurance package, including:
- General liability — can help protect you if bodily injury or damage to someone else or their property occurs
- Workers’ compensation — can help protect you if your employee has a workplace injury or work-related illness
- Commercial property — can help protect you if 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 insurance costs and their coverage limits.
How much is photographer General Liability insurance?
General liability insurance costs 99% of our customers $17 on average per month.
It can help to protect your business from financial losses related to customer injuries, accidental damage to someone’s property and copyright infringement.
Monthly General Liability insurance costs for photographer
Most of our customers can expect to pay:
$17 per month, or about $208 annually (we don’t charge any additional fees for monthly payments).
Per occurrence limit:
$500,000 to $1 million, depending on your policy (“Per occurrence” refers to the most amount of money you’ll receive after a field claim is approved).
Aggregate policy limit:
$500,000 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 costs 56% of our customers between $24 and $65 on average per month.
Workers’ compensation insurance helps to pay for medical bills and lost wages if an employee suffers an injury on the job.
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 additional protection for instances in which the employee decides to sue you for a workplace injury. This is in addition to the medical payments already provided by workers’ compensation. For example, an employee falls off scaffolding because the employer didn’t maintain the safety harness and the employee decides to sue for pain and suffering based on the employer’s negligence.
While in most states workers’ compensation policies include employer liability, in North Dakota, Ohio, Washington and Wyoming it can be purchased as a stop-gap coverage.
Note that the amount you can expect to pay for workers’ comp depends on how many employees you have, your payroll, how your employees are classified as well as your industry.
Monthly Workers’ Compensation insurance costs for photographer
Most of our customers can expect to pay:
Between $24 and $65 per month, or about between $290 and $784 annually (we don’t charge any additional fees for monthly payments).
Workers’ comp no limit:
Coverage and benefits paid out according to state laws. Workers’ compensation helps to cover 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 Property insurance?
Commercial property insurance costs 64% of our customers $26 on average per month.
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.
Monthly Commercial Property insurance costs for photographer
How do I get a quote for photographer business insurance?
Start an instant quote. We’ll ask you some basic questions about your business and operations, which we’ll use to create a customized insurance quote.
If you like what you see, you can adjust the package limits to fit your preferences and make your purchase.
Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance. The self-service tools also allow you to pay premiums, add an additional insured and file claims.
The streamlined process, which can be completed without needing to talk to an agent, makes it possible to purchase insurance in a matter of minutes.
And if you do have questions, our licensed, U.S.-based insurance professionals are ready with the answers.
Start a free instant quote today.
Disclaimers
¹ Based on general liability minimum premium for photographer businesses in Texas. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary. Policy documents govern.
*Coverage and discount availability and eligibility varies, not available in all states.
**The cost data presented here are based on NEXT active customers data obtained over the previous 12 months. The price range is based on cost data of equal to or over 51% of NEXT active customers in the U.S. who purchased each respective type of insurance policy. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in August 2022.
*** To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary. Policy documents govern. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
