Photographers Insurance

Tailored Protection for Your Photography Business

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Simply Business is pleased to provide tailored insurance options from:

Photographers Insurance That’s Made Just for You

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.

What Insurance Do Photographers Need?

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.

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General Liability Insurance for Photographers

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:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Automobiles while in business use
  • Expected or intentional injury or damage
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Photographers

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:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • Claims and damages
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Employment matters
  • Patents and trade secrets
  • And more

Workers Compensation Insurance for Photographers

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.

Coverages include:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

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.

How Much Does Insurance for Photographers Cost?

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:

  • Your revenue
  • Your payroll
  • Your business location
  • The type of services you provide
  • And more

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.

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