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 can 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 could 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 could 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 can 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.

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.