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Photography Insurance Costs and Coverage

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How Much Does Professional Photography Business Insurance Cost?

A fashion photographer with three assistants and their own studio shouldn’t have the same insurance costs as a wedding photographer who works alone. Different setups, work schedules, and varying equipment means there should be a tailored solution for photography insurance policies. That’s why your photographer liability insurance cost will be calculated based on your particular needs. This ensures that your photographer insurance quote is both affordable and reliable.

We also make sure that your customized quote for photographers insurance cost is the price you’ll actually pay, with low deductibles and no extra fees. Plus, you can receive as many certificates of insurance as you need, at no additional charge. Does a venue require you to add them as an additional insured? No problem; at Next Insurance, adding a photography business insurance policy is simple, and quickly done online.

Finally, we understand that cash flow is an important element of running a business, that’s why we keep photography liability insurance cost low. So you can budget and pay for your photographer business insurance costs monthly rather than annually. Remember, each photographer insurance policy is customized, so the most accurate way to know how much your policy will cost is to request your personalized photographer insurance quote.

How Much is General Liability Insurance for Photographers?

General liability insurance for photographers usually costs our customers between $250-$500 annually, or $21-$42 per month.

General liability insurance can cover a variety of injuries and damages claims. These could include:

• Physical injuries to your clients, subjects, or other people on site
• Damages caused by you, your employees, or your equipment
• Personal injury, which includes things like privacy violations or slander

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: $250-$500 annually, or between $21-$42 per month
Per occurrence limit: $1,000,000
Aggregate policy limit: $1,000,000
Deductible: $0

Choose the Plan that’s Right for You

starting from $21 per month

Basic

General Liability

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

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Pro

General Liability

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

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Pro Plus

General Liability

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

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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?

Next Insurance
Competitor 1
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Buy policy 100% online
Monthly payment at no extra cost
Sometimes
File claims online
Free cancellation
Not published
Multiple coverage options
Live Certificate of insurance
Policy tailored to you
Free additional insured
Tailored policy to COB

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