Tailored Protection for Your Photography BusinessGet Your Quote
Simply Business is pleased to provide tailored insurance options from:
You really know how to capture a special moment in a single image. Your job is to know the best lighting, angles, and spaces to take the best photographs for your clients. While you are a master of photography, you may not know a lot about small business insurance.
At Simply Business, we can create insurance for your photography business that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great pictures.
As a photographer, your profession is at risk every day for making mistakes, injuring yourself, and damaging a client’s property. Plus, if an employee gets hurt on the job, that could potentially leave your business exposed to lawsuits and medical claims.Get Your Quote
General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury. Without this type of coverage, your business may be responsible for those costs. That’s why we recommend that commercial contractors carry general liability insurance, as it can provide their business with essential protection.
General liability usually covers:
General liability insurance usually does not cover:
Learn more about General Liability Insurance.
Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer alleges negligence from your professional services. If your customer decides to sue your business for mistakes related to your services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to negligence.
Additionally, if a [related service] goes wrong for any number of reasons, you may be susceptible to a lawsuit from a customer, whether or not negligence occurred.
Professional liability insurance usually covers:
Professional liability insurance usually does not cover:
If an employee gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.
Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.
While there’s no single answer for how much insurance costs for photographers, you can get an estimate for what you may pay based on:
Want to find out how much your photography business insurance may cost?
Click here to answer a few questions so we can help you learn how much you can expect to pay for your photographers insurance coverage.