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Why do photo studios need insurance?
The mix of technical gear and close work with clients results in high risk. If a client trips over camera equipment and breaks a wrist, photography business insurance can help cover repair costs and medical bills. Some policies, like workers' compensation, may be required by law.
Find the right coverage
Insureon helps photo studios find policies that match your unique risks.
Get free expert advice and peace of mind knowing you have the right liability and equipment insurance for your small business.
Which business insurance policies do photography studios need?
These insurance policies cover the most common risks of photo studios.
General liability insurance
A general liability policy helps cover financial losses from third-party accidents, such as a client who trips and suffers an injury during a photo shoot.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
Business owner’s policy
A BOP is a cost-effective way for photography studios to purchase commercial property insurance and general liability coverage together.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Damaged or stolen business property
Professional liability insurance
This type of insurance covers legal fees if a client sues a professional photographer over the quality of their work. It’s also called errors and omissions insurance (E&O).
BEST FOR
- Lost photos
- Accusations of negligence
- Claims you delivered low-quality photos
Workers’ compensation insurance
Most states require workers' comp for photography businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Legal costs
Commercial auto insurance
This policy covers the cost of accidents involving a vehicle owned by a photography studio. Most states require this coverage for business-owned vehicles.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Inland marine insurance
This policy protects equipment owned by your photography studio that travels outside of your office. It covers property losses due to theft, fires, storms, and vandalism.
BEST FOR
- Cameras brought to a photo shoot
- Photography equipment in transit
- Business property at a storage unit
Looking for different coverage? See more policies.
How much does insurance cost for photo studios?
A small studio can expect to pay less for photographer insurance than a large company.
Factors that affect premiums include:
- Photography services offered
- Value of photography equipment
- Business income
- Types of coverage purchased
- Coverage limits and deductibles
State insurance requirements
See your state's requirements for photo/video businesses
Choose your state to learn about insurance requirements for photographers and videographers.
How do I get photography studio business insurance?
It's easy to get photography insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. carriers to find coverage that fits your photography studio, whether you work independently or hire employees.
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