Photography Insurance Cost

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How Much DoesPhotographer Insurance Cost

An accident in the studio or on location. An unhappy client. Damaged or stolen gear. Photography insurance can help protect your business against those types of risks and help you avoid a bad scene.

Let’s break down what photography insurance costs, what affects the price, and how Simply Business makes getting coverage easier and more affordable.

How Much Does Photographer Insurance Typically Cost?

Depending on your coverages, photographers pay a median price of $17 per month, or $200 per year.

Here’s a snapshot of what our customers typically pay for photographer insurance:

Monthly Photographer Insurance Costs¹

Under $25

77% of customers

$25 to $95

23% of customers

Over $95

0% of customers

¹Data from Simply Business customers specializing as “photographers” who purchased at least one or a combination of general liability, tools and equipment, or workers’ compensation policies from July 1, 2024 to December 31, 2024. Reflected price tiers may not include purchase of all available policies under photographer insurance.

What you pay depends on a few key things, including: the type of work you do, the size of your crew, and the type of coverage you choose. But most photographers pay under $25 per month for the insurance.

These numbers are based on real policies purchased through our site. But getting a great premium isn’t just about the numbers — it’s about working with a partner that understands your business. And because we work with a range of trusted insurers, you’ll see coverage options to match your business, so you can choose a customized package that works for you and your budget.

Coverage Options for Photographer Insurance

General liability

A foundational coverage to help handle costs from third-party accidents, third-party property damage, and bodily injury.

Equipment and business property

Also known as inland marine insurance, this coverage can financially help protect equipment and inventory, even if it’s in transport or stored offsite, depending on the policy you choose.

Workers’ comp

Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.

Professional liability

Coverage for damages and legal costs due to mistakes, negligence, or claims of unsatisfactory work (up to your policy limits). This policy is often recommended for businesses that provide advice, service, and guidance to their clients.

How Much Does General Liability Cost?

Based on the policies we’ve sold, general contractors pay a median cost of $17 per month, or about $200 per year, for general liability insurance. It’s a coverage many small business owners choose as part of their business insurance.

Here’s a snapshot of what our customers typically pay for general liability insurance:

Monthly General Liability Insurance Costs²

Under $25

81% of customers

$25 to $95

19% of customers

Over $95

0% of customers

²Data from Simply Business customers specializing as a “photographer” who purchased a GL insurance policy from July 1, 2024 to December 31, 2024.

What you pay depends on a few key things, including: the type of work you do, the size of your business, and the amount of coverage you choose. But most photographers pay under $25 per month for general liability insurance.

To learn more about the cost of general liability insurance, check out our helpful general liability cost guide.

How Much Does Equipment and Business Property Insurance Cost?

Photographers pay a median cost of $21 per month, or about $252 per year, for business property insurance — also known as inland marine insurance. This coverage can financially protect your tools, equipment, and inventory, even while in transport or stored offsite, depending on the policy you choose.

Here’s a snapshot of what our customers typically pay for business property insurance:

Monthly Equipment and Business Property Insurance Costs³

Under $25

54% of customers

$25 to $95

46% of customers

Over $95

0% of customers

³Data from Simply Business customers specializing as a “photographer” who purchased a business property/inland marine insurance policy from July 1, 2024 to December 31, 2024.chased a GL insurance policy from July 1, 2024 to December 31, 2024.

The cost of business property insurance depends on the value of your gear and equipment and the type of work you do. But most photographers pay under $25 per month.

To learn more about this coverage, check out our helpful business property insurance cost guide.

How Much Does Workers’ Compensation Insurance Cost?

Photographers pay a median of $62 per month or $746 per year for workers’ comp. Most states require workers’ comp for small businesses with full- or part-time employees –– it can help take care of your crew if they get sick or injured on the job.

Here’s a snapshot of what our photographers typically pay for workers’ compensation insurance:

Monthly Workers’ Comp Insurance Costs⁴

Under $25

8% of customers

$25 to $95

67% of customers

Over $95

25% of customers

⁴Data from Simply Business customers specializing as a “photographer” who purchased workers’ compensation insurance policy from July 1, 2024 to December 31, 2024.

Your workers’ comp premium is calculated, based on the type of work your crew perform, your claims history, and your payroll, among other factors. But most photographers pay under $95 per month.

To learn more about workers’ compensation insurance, check out our helpful workers’ comp cost guide.

How Much Does Professional Liability Insurance Cost?

Based on our data, photographers pay a median of $36 per month or $430 per year for professional liability insurance. This coverage can help cover costs if a client claims you were negligent, made an error, or simply didn’t deliver what was promised.

Here’s a closer look of what our photographers typically pay for professional liability insurance:

Monthly Professional Liability Insurance Costs⁵

Under $50

56% of customers

$50 to $150

44% of customers

Over $150

0% of customers

⁵Data from Simply Business customers specializing as a “photographer” who purchased a professional liability insurance policy from July 1, 2024 to December 31, 2024.

What you pay depends on a few key things, including: the type of work you do, the size of your business, and the amount of coverage you choose. But most photographers pay under $50 per month for professional liability insurance.

If you’re looking for more information regarding professional liability insurance, check out our helpful professional liability cost guide.

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What Affects the Cost of Photographer Insurance?

If you’ve searched online for photographer insurance, you’ve likely seen a wide range of prices — and for no clear reason. The truth is there isn’t a set price since the cost depends on several key factors, including:

Type of work you do

Are you a wedding photographer who works on location? Do you specialize in studio and portrait photography? Do you have extensive lighting rigs or photography gear? The photography work you do can require different types of insurance to cover potential risks and costs.

Location

Rates may vary by state and city, due to local laws, risk levels, and foot traffic in your area.

Number of employees

More employees can mean more exposure to accidents and higher workers’ comp premiums.

Coverage type & limits

The more coverage you need the more you’ll likely pay.

Your claims history

If you’ve had past claims, that might bump up your rate.

Your experience

Have you been in business for years with no claims? That could work in your favor.

How to Save on Photographer Insurance

Be aware of your surroundings including traffic, uneven terrain, or crowds. Ensure that all gear, especially tripods and lighting stands, is stable and secure.

Put steps in place to prevent future mishaps.

Use straps and bags designed to protect your gear from theft and damage. Avoid drawing attention to expensive gear, especially in public spaces.

Some carriers offer monthly payments, which you can take advantage of to spread the cost out over the year.

Shop around

Simply Business provides customized coverage options from top-rated small business insurers — all in just 10 minutes. We do all the legwork work so you can sit back, compare quotes, and save.

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More Photographer Insurance FAQs

It’s typically one or more policies that can help handle costs that can result from accidentally damaging a customer’s property; having your gear stolen; employees becoming sick or injured; or you being hit with a lawsuit.

A single mishap or lawsuit could result in thousands of dollars in out-of-pocket expenses for your business. Photography insurance helps provide financial protection, preventing a single mistake from becoming a major setback.

Photographer insurance can help if a client’s property is damaged, your gear is stolen, or an employee falls ill or gets injured.

It depends on your state and whether you have employees. But whether it’s required or not, we strongly recommend having coverage. In fact, many clients and landlords may require it before doing business with you.

Yes — insurance premiums are usually considered a business expense. But always check with your accountant in your specific location for certain.

You can get a full quote in about 10 minutes — and an estimate even faster, with just 3 quick questions from us.

The Simply Business Difference

We make small business insurance simple — so you can get covered without the hassle. We’re a digital insurance brokerage. That means we’re not tied to one insurer. Instead, we partner with a range of top-rated carriers. With one easy form, you can compare quotes and choose coverage that fits your business, your risks, and your budget.

No hidden costs. No guesswork. Just clear, affordable options built for small business owners like you — so you can move forward with confidence, knowing you’re not overpaying.

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