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You've spent a good deal of time and money making your passion for photography into a business you love. Do you want to protect the hard work you've invested in building your business?
At Simply Business, we offer photography insurance policies that cover the risks you could encounter while running your business. Answer a few simple questions, and we will help you compare quotes from insurers that could cover you. After reviewing your options, you can choose the one that works best for you.
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Depending on your photography business's exact needs, your insurance could include a variety of policies that help protect your business. Here are three policies that we suggest you look into when insuring your photography business:
Commercial general liability (GL) insurance for photographers covers costs associated with third-party accidents, property damage, and bodily injury. General liability insurance can also cover some of your photography equipment if it is stolen or damaged while you’re working.
Without general liability insurance, you and your business could be responsible for covering the costs of risks that you face with owning and running a photography business. The average claim for small business accidents or property damage is $30,000. That kind of money could sink your business, so a general liability policy is definitely worth the protection.
Here's an example of how general liability insurance can protect a photography business: You're doing a photo shoot for a hotel's new website and bring props along with you for the shoot. One of the hotel guests trips and falls over one of your props and injures their arm. The guest sues the hotel and your business, asking for reimbursement of their medical expenses and for the days they missed from work recuperating.
Without a general liability policy, the money the guest is suing for would come out of your personal funds. Luckily, a general liability insurance policy would help cover the guest's medical coverage and lost wages, as well as additional fees (such as the fees you paid your lawyer for help sorting everything out and possibly defending you in court).
Curious what general liability could cover? Here's a quick summary:
Here's what general liability doesn't cover:
As a photographer, there are a lot of moving pieces in your business that you can't control the weather, the light, what kind of mood your subject is in that day. What happens if it rains the day you're supposed to shoot a wedding and the not-so-happy couple wants a partial refund because they got only indoor photos taken?
That’s where professional liability insurance comes in!
Photographer professional liability insurance covers your business if your client claims that you or one of your employees were negligent in providing your professional services.
We know that insurance language can be mind-boggling, so let's take a look at professional liability in action.
Say you did a boudoir photo shoot for a client. Things seemed to go well during the shoot, but after the edits are finished, you accidentally send the final versions to the wrong client with a similar name. Your original client finds out and is humiliated that their photos were delivered to the wrong person. They decide to sue your photography business for mental anguish.
Professional liability insurance can protect your and your business's finances if you're sued for a mistake you made while working. Small business owners don’t intend to make mistakes, but they do happen from time to time. Because photography can expose you to risks — especially because you’re working closely with clients — it is recommended for photography business owners.
Here’s a brief recap on what professional liability can cover:
Keep in mind that PL insurance usually doesn’t cover:
If you have an employee (whether they're part-time or temporary), most states will require your business to carry workers compensation insurance. Commonly referred to as workers comp, this insurance policy protects your photography business in case one of your employees gets injured or sick while working for you.
For example, while moving light fixtures around a set for an editorial shoot, the assistant you hired trips over an extension cord and gets a gash in their head when they land on something sharp. Your employee has to go to the emergency room to get stitches, and the medical bill isn't cheap. Your workers compensation policy will cover the medical bills for your employee, as well as for the time both of you missed from work while being at the hospital.
Photography may seem like a relatively safe business to run, but there will always be variables to risks you haven’t considered. In 2017, work injury costs totalled $161.5 billion, with the average injury case costing roughly $39,000. These are amounts that business owners couldn't have anticipated and which could wipe out a photography business.
Workers compensation for photography business owners can cover:
Starting a photography business isn't easy. It's not as if you simply take a smartphone and digital camera, shoot a photo, and send it to a client. To get the big picture (pun intended!), you have to zoom out to see the many moving parts that go into building a successful business: a quality camera and associated equipment (lighting, props, etc.), marketing materials, a sales strategy, and more.
It takes a chunk of money to acquire and build those things in a way that sets you up for growth, so it's understandable that you'd want to cut costs where you can. In the case of photography insurance, though, that's quite the risk.
What you pay for a monthly insurance premium is well worth the protection against what you could pay if a claim were to be filed against you. Small business owners pay amounts that could put their personal and family finances in jeopardy. The average costs for some claims include:
With these prices, claims may seem rare, but they're surprisingly common: 43% of small business owners have been involved in some kind of civil suit.
A client doesn’t necessarily need a valid reason to make a claim against your business. Whether or not you made a mistake, a client can use any type of dissatisfaction as a reason to sue you. If they make a claim against your business and you don't have insurance, then the cost of defending your business and all you've worked for could come out of your own pocket.
Even if they're impressed with your portfolio and are interested in hiring you, not having insurance can deter your business from moving forward with different opportunities to grow. Here are some examples of when having proof of insurance could benefit you:
When you purchase insurance through Simply Business, we provide you with a certificate of insurance (COI) so you can provide proof of coverage to anyone who asks about it.
Simply Business is an online insurance brokerage and one of the fastest-growing providers of insurance for small businesses. Thousands of customers rely on Simply Business to provide them with the top insurance and protection for their business.
Why did they choose us? It's simple:
We're quick and affordable. You have a lot to focus on, like managing your business. Our policies are fast, affordable, and ready when you are.
We're flexible with coverage. Whether you need to update your policy because you opened a second location or need a COI for a new client, we're here to help.
We get your business. No business is the same, so no insurance policy should be either. Get the protection your photography business deserves, when you need it most.
You've worked hard to build your business and we're here to offer the best coverage to protect it.Get your quote
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.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.