Photographer Insurance

Whether you’re a freelance photographer or own a large photography business, protect yourself from potential liabilities with Photographer Insurance.

Join thousands of Canadian businesses that are already protected!

Partnership with over 50 leading Canadian insurance companies

Zensurance - Photographer Insurance

What is Photographer Insurance?

Photographer Insurance is a policy package designed to protect photographers against the specific risks associated with providing photography services, such as negligence, and third-party injuries or property damage.

Mistakes can happen and disrupt your business in a matter of minutes. We know what makes your photography business unique, leave it to us to find the best fit for you.


What does Photographer Insurance cover?

A comprehensive Photographer Insurance coverage will typically include the following:

  • Professional Liability Insurance protects photographers from claims related to their professional activities alleging negligence, misconduct, or failure to deliver a service as promised.
  • Commercial General Liability Insurance (CGL) is a business insurance policy that protects from common liability claims, such as third-party injuries and property damage.
  • Equipment Insurance offers financial protection to replace or repair your photography equipment due to theft, vandalism, and unforeseen accidents. 

Who needs Photographer Insurance?

All professional photographers should consider Photography Insurance to protect themselves from potential lawsuits against their business.

We’ve insured more than 1,000 professionals. Some of our clients include:

  • Commercial Photographer
  • Drone Photography
  • Event Photographer
  • Freelancers
  • Wedding Photographer
  • Videographers

Each profession is unique, and coverage requirements may vary. Please speak with our brokers about customizing your policy to suit your specific business insurance needs.


How much does Photographer Insurance cost?

The average cost of Photographer Insurance starts around $650 for a CGL and PLI policy with a $1.5M combined coverage limit.

The exact cost of your policy may vary depending on several factors, such as:

  • Training and Experience
  • Annual and Projected Revenue
  • Services Provided
  • Number of Employees

Getting insured is quick and easy!

Complete our 5-minute online application form for a free Photographer Insurance quote.

Common scenarios where Photographer Insurance is useful

Damaged wedding photo

Problem: After a photo shoot for a client’s wedding, your developer mismanaged the file, damaging all the photos from the event.

Outcome:  Your Professional Liability Insurance policy would cover the $20,000 lawsuit due to failure to deliver services.

Home photography studio

Problem: A client who came into your photography studio for professional headshots trips on your lighting stand and injures their knee.

Outcome:  Your General Liability Insurance policy would cover the $35,000 cost to pay for the medical bills.

Broken Camera Lens

Problem: On the way to a client’s office, you get into a car accident and damage your camera equipment.

Outcome:  Your Equipment Coverage policy would cover the $10,000 cost to replace the damaged equipment.

What our customers friends say about us

Our customers ❤ us, and so will you! Learn why thousands of Canadian small businesses trust us with their insurance needs.

Ready To Start? Let’s Get a Quote!

Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.