Photography Business Insurance: What It Is, How to Get It

Photography businesses may benefit from insurance that covers camera equipment and professional liability.
Katherine FanSep 10, 2021

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Business insurance can protect photographers and videographers from a slew of financial risks, such as replacing expensive stolen equipment or paying for an injured employee’s medical bills.

Here’s what you should know about photography business insurance and how to purchase the right policies for you.

Photography business insurance can refer to several types of policies that shield photographers and videographers from financial liability.

Whether you run a photography business or simply shoot family photos on the side, it can make sense to invest in . The right insurance policy can protect your photography business from the devastating impact of a claim or theft by covering expenses that would otherwise be your company’s responsibility to pay.

Photographers and videographers commonly face the following risks and more:

Here are some common types of business insurance that may be helpful for photographers and videographers. Note that some insurance types may not be necessary for smaller businesses with fewer assets.

Many insurers offer general liability and commercial property insurance in a bundle known as a , or BOP. Insurance providers such as can also customize insurance packages for you and may offer discounted rates for purchasing multiple policies.

Here are some simple steps to be aware of when getting a business insurance policy:

If you’re a sole proprietor who photographs events as a side hustle, you won’t need as much insurance coverage as a full-fledged studio with 20 employees and freelance photographers.

For part-time freelancers, some insurers offer policies that protect you on a per-event basis rather than requiring a monthly or annual commitment.

There are three main ways to get estimates from insurers: You can reach out to an , shop via an online marketplace or contact individual providers on your own. Learn more about .

Read the fine print on your policy so you know how and when you’re covered. For example, you may want protection if your equipment is stolen, but not all insurers offer that within their business property insurance policies.

You can set calendar alerts to remind yourself when it’s time to renew your insurance policy to make sure you don’t accidentally allow your coverage to lapse.

The price of photography business insurance can vary significantly depending on the policies you choose, the amount of coverage you buy, the size of your business, the number of people you employ and your location.

But in general, photography and videography are relatively low-risk professions. Your insurance premiums shouldn't cost as much as someone who works in a more dangerous industry such as construction.

Photographers and videographers who bundled general liability and business property insurance coverage under a BOP through the insurance marketplace Insureon paid a median cost of $521 per year, or about $43 per month, according to its website.

As with any major decision, shop around for a few quotes from different insurers to make sure you’re buying the best plan for your unique needs.

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