Photography Insurance

A comprehensive insurance policy for photographers typically includes:

• Professional Liability Insurance: As a photographer, you may have only one opportunity to capture that special moment, like a wedding, and if your clients are not satisfied with the results, you may be held liable. Professional liability, also known as errors and omissions (E&O) insurance, provides financial coverage against financial losses due to negligence, errors, or failure to deliver a service as promised. Essentially, it protects against costs associated with claims or lawsuits that may threaten the survival of your business.

• Commercial General Liability (CGL) Insurance: CGL insurance is vital for any business that has customers or partners visiting an office or workspace. For photographers, that includes the studio where you work. Also known as slip-and-fall insurance, it covers you from third-party bodily injuries or property damage should a customer visit your location and injure themselves. For instance, a customer trips on a lighting cable, fall, are hurt, and require medical attention. If they sue you for damages, the cost of a lawsuit could put you out of business. CGL provides you with coverage to defend yourself in court, and it pays for your injured customer’s medical expenses.

• Equipment Insurance: You need to protect your gear. You know better than anyone that your cameras and associated photography equipment are not cheap. Equipment insurance covers the cost to repair or replace your equipment due to an insurable event. For example, if it is damaged by a fire or stolen from your studio or offsite at a photo shoot.

• Drone Liability Insurance: Drone liability coverage provides you with financial protection to repair or replace any business-owned drones you use for your work. It protects drone operators from third-party property damage or bodily injury liabilities, as well as coverage for the drone if it is damaged or stolen.

• Cyber Liability Insurance: We live in a digital age, and no doubt you communicate and share files with your customers electronically. It is your legal responsibility to protect your customers’ personal information, the photos you take of them, and their financial data. If your computer server or systems if an accidental data breach occurs, you could be sued for damages by your customers. A cyber liability policy covers the cost to repair your computing systems, any losses you suffer because of a computing systems outage, legal advice, notifying your customers of a cyber-attack or data breach, and providing them with credit monitoring.

All professional photographers should consider getting the right insurance program 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 / Wedding Photographer
• Freelancers
• 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.

The average cost of insurance for photographers starts at around $565 per year 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