Photographer insurance
Photographer insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$7.92
/month*
Can help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$7.92
/month*
Can help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $100K to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Does a Photographer Need Insurance?
From shutter click to final edit, your attention to detail captures the moment and builds your business’s brand. But whether you’re shooting at a wedding, in a studio, or chasing golden hour on location, risks are everywhere.
Maybe a camera bag vanishes between locations. A memory card failure ruins a shoot. A tripod tips or trips someone (or both). When the unexpected happens, photography insurance helps ensure a mistake or split-second accident doesn’t cost thousands or shut down your business.
Below are some of the most common types of insurance policies that photographers carry to stay protected.
What Type of Photographer Insurance Do I Typically Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$7.92
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
From
$25.83
/month*
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.
From
$38.91
/mon*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/mon*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
What Does Photographer Insurance Cover?
A destination wedding, a sunrise shoot on a remote trail, a full-day session in the studio— professional shoots often involve a lot of moving parts. But even with a perfect shot list, things don’t always go as planned. Here’s how photography insurance helps protect your vision—and your business—from these common risks:
During a location shoot, a heavy light stand tips over and shatters a client’s expensive monitor. A general liability policy could help cover the cost of repair or replacement and help protect you from other third-party damage or injury claims.
You’ve been awarded a contract for a multi-unit plumbing installation, but the property owner requests proof the job will be finished as promised. That’s where a surety bond comes in. It’s a financial guarantee that protects your client if you can’t meet your contractual obligations. If the job isn’t finished or doesn’t meet agreed-upon standards, the bond can compensate the customer for their losses.
A corrupted memory card wipes out an entire wedding day’s worth of photos—and the couple sues your studio to recoup their costs. A professional liability policy could help cover the cost of resolving the claim and protect you against related legal expenses.
A small fire breaks out in your studio, damaging your high-end editing suite and backup servers, halting your post-production workflow.. A Business Owner’s Policy (BOP) typically bundles general liability, commercial property protection, and business interruption coverage to help pay for damages, repairs, and lost income so you can get back to work quickly.
Many photographers choose a BOP because it offers more protection than a stand-alone general liability policy without costing much more — a great option if you’re established or planning to grow.
Your assistant trips over a cable during a fast-paced session and fractures their wrist. Workers’ compensation insurance can help cover their medical bills and replace a portion of their wages as they recover.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp insurance, because many health insurance policies do not cover work-related injuries.
Your camera bag is stolen from your locked rental van, or you arrive at a venue to find a lens cracked in transit. Equipment and business property insurance, also known as inland marine insurance, can help pay to replace or repair your stolen or damaged equipment while at a jobsite or in transit.
What Does Photographer Insurance Cost
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Get a quick estimate in just 3 steps.
Answers to More Photographer Insurance Coverage Questions
Why Photographers Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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business types covered
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We’ve Got More Helpful Information
6-minute read
Photography Insurance: A Macro View
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.