Photographer Insurance

Your camera and all of your photography equipment are valuable items and an integral part of your business as a professional photographer. Make sure you are covered in the event of a loss such as theft, fire, or flood that renders your equipment unusable. Property that can be covered by our Photographer Insurance package include:

• Cameras
• Lenses
• Drones
• Related Equipment
• Computers
• and more…

Allow our online application process to guide you through what coverages should be included for your photography operations. There are some coverages, such as Professional Liability (E&O) and Commercial General Liability (CGL), that are great forms of liability coverage for your photography business, but are often overlooked. You can ensure you and your company are protected against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations with this policy. Standard limits for liability range from $1,000,000 to $5,000,000 depending on your requirements.

Something we’ll often hear from clients is that their camera equipment is covered by their home or tenants insurance; however, this is not the case. If you accept money for your photography, your cameras and equipment are considered commercial property and not covered by personal insurance policies.

On top of the insurance covering your gear, damages arising from liability claims can be quite costly. We’ll arrange a policy that shields you and your photography business from not only bodily injury and property damage claims, but the expenses of out-of-court settlements, litigation, and judgments awarded by the courts as well. If damages are filed against your organization or you are sued, our reliable insurers will cover the costs for investigation, attorney expenses, and medical expenses in the case of injury.

The cost of your Photography Insurance policy will depend on certain variables that are part of our online application process including specifics of your operations, annual revenues, deductibles, and specified coverages requested. We are able to offer terms with premiums as low as $750 for annual coverage.

Please note that completing our application for insurance does not cost anything or require you to proceed with the coverage once a quote is provided – customer service is our first priority.