Camera Shop Insurance: Cost & Quotes From $11/mo

Everyone can take photos with a smartphone. However, great shots that are as good as those taken by professional photographers can only be produced by an excellent camera.  Of course, photography isn’t the only use for a camera but it can also be utilized as a videography equipment. 

Thinking of starting a camera shop? When you operate a camera shop, it’s critical that you take all the right steps to ensure that your business is ready to go. 

Not only do you need to make sure that you have a clear business plan, the right camera inventory, and the ideal location, but you need to take a look at your camera shop insurance and make sure that you have the coverage you need for any eventuality. 

Camera store insurance can help protect you in the event of potentially damaging events, from weather disasters to a customer who falls in your store.

Camera Store Liability Insurance

Camera store liability insurance is available as a general liability policy or product liability policy. Both grant protection against lawsuits that result from certain circumstances. The sections below discuss how each works. 

General Liability Insurance for Camera Stores

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included

People can access and explore your camera store. Your business has liability if they sustain injuries or property damage while on the premises. Because of this, you need to purchase general liability insurance. Use the table above to see which insurance company has the best general liability insurance for camera stores.  

How Does General Liability Insurance Help Your Camera Store?

General liability insurance helps your camera store by granting a $1 million-$2 million worth of coverage that can be used to pay the:

  • Medical treatment of the claimant

  • Reimbursement for the damaged property of the claimant

  • Legal defense costs if a lawsuit is filed

  • Court judgments

In Which Situations Can Your Business Use General Liability Insurance?

Below are some situations that can happen in your camera shop that general liability insurance can cover:

  • A customer experiences a slip-and-fall accident

  • A customer has her finger smashed by your camera shop’s door

  • An independent contractor gets electrocuted while fixing the wiring of your camera store 

  • An employee accidentally hits a customer while placing items on the display rack of your camera shop

Do You Still Need General Liability Insurance if You Run an Online Camera Shop?

General liability insurance is still useful even if you sell online. It’s because this policy comes with advertising injury coverage. That said, the policy can cover legal defense and court judgment expenses if your camera shop gets sued by a customer or another business for slander, libel, and copyright infringement.


Product Liability Insurance for Camera Store 

Some of the cameras you sell might be defective. What’s problematic is that one might be released to customers despite careful quality checks. And in case a defective camera explodes or causes an accident that results in bodily injuries or property damage, your business can be held liable by the buyer. And so, purchase product liability insurance. 

How Does Product Liability Insurance Work?

Product liability insurance is a coverage automatically included in a general liability policy. Its job is to cover medical treatments, property damage reimbursement, court judgments, legal defense costs, and product recall expenses if a customer files a claim because the product of your camera shop has:

  • Manufacturing errors

  • Design errors

  • Incorrect labeling

  • Missing or incorrect user’s manual

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Camera Shop Property Insurance for Camera Stores

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $75,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $75,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded

Commercial property insurance is a coverage for the brick and mortar location where your camera shop is operating. Most landlords will require you to purchase this if you plan to rent or lease their space. Use the table above to see which insurance company offers the best commercial property insurance for camera shops. 

How Does Commercial Property Insurance Protect Your Business?

Commercial property insurance provides protection by granting payouts equal to the cash value or replacement cost of your camera shop’s brick-and-mortar location. Coverage applies when building damage or destruction is caused by:

  • Fire

  • Theft

  • Vandalism

  • Riot

  • Civil commotion

  • Sinkhole collapse

  • Volcanic action

  • Lightning

  • Weather

  • Sprinkler leakage

  • Impact

  • Falling objects

  • Aircraft

  • Vehicles

Does Commercial Property Insurance Cover Stocks and Other Valuables Inside Your Camera Shop’s Building?

Yes. Commercial property insurance doesn’t only cover the building but also the cameras, lenses, and other valuables in your shop. The amount of payout you get will depend on the limits provided by the insurance company. But in most cases, you’ll receive $50,000 or more in case the cameras to be sold and other valuables get damaged or destroyed due to the perils we mentioned above.

Business Owner’s Policy for Camera Shops 

CoverWallet NEXT (Best) Thimble  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $35,000 $25,000/$500,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes

You enjoy comprehensive coverage if your camera shop has general liability and commercial property insurance. There’s no need to buy each as separate policies. Some insurance companies help you get the best value for money by offering a business owner’s policy. 

Use the table above to see which insurance company offers the best business owner’s policy for camera shops. 

A business owner’s policy fuses general liability and commercial property insurance. That said, you can use this as a coverage against lawsuits and commercial property damage or destruction. 

Depending on which insurance company you work with, further policies can be added to a business owner’s policy such as cyber liability coverage, hired/non-owned auto liability coverage, and customer property coverage. 

Tools and Equipment Insurance for Camera Shops 

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0

Your camera shop needs some tools and equipment to operate smoothly. There’s the cash register or POS system for keeping transactions fast. You might also install a television screen to play promotional videos and other digital marketing materials. 

Of course, there must be several computers that employees can use to track sales, record incoming and outgoing stocks, and create payroll. You can protect all of these by purchasing tools and equipment insurance. Use the table above to see which insurance company best offers this policy. 

How Does Tools and Equipment Insurance Work?

Tools and equipment insurance works by covering the repair or replacement costs of business equipment. Here are some situations where this insurance can help:

  • Your camera shop’s computer got fried after a thunderclap happened

  • An employee mishandled your shop’s air conditioner during cleanup and it got damaged

  • A customer accidentally damaged a display rack of your camera shop

Camera Store Business Interruption Insurance

When business is interrupted for any reason, you may find yourself without a source of income. Meanwhile, your usual bills just keep coming. Business interruption insurance can help keep your camera shop afloat if you have to close down for a period of time for any reason. This will grant the money you can use to cover payroll, utility bills, mortgage, taxes, and other related costs. 

Workers’ Compensation Insurance for Camera Stores 

If you have workers in your camera shop, and they get hurt on the job, they can file a claim through workers’ comp that will provide them with a percentage of their income and coverage for all medical bills related to a workplace injury. 

Workers’ compensation insurance is a state-mandated benefit. Your camera store must have one as soon as one or more employees are hired. Failure to get this policy will result in heavy fines and penalties.  Some businesses have been issued a stop-hold order because of such a violation. 

Other Insurance to Consider Getting

Here are some other insurance policies that you might want to consider including in your camera store insurance bundle:

  • Cyber liability insurance-Cyber liability insurance takes care of the resulting costs if your camera shop’s computer gets breached due to a phishing, malware, or other types of cyber attack

  • Commercial auto insurance-Commercial auto insurance takes care of the medical treatment of third parties in case your camera shop’s vehicle causes an accident. This will also provide coverage for your commercial vehicle’s driver and passengers in case of accidents caused by an uninsured/underinsured motorist

  • Cargo insurance-If you’re shipping a large batch of stocks to a partner or branch, then consider cargo insurance. Cargo insurance will reimburse a portion of your cargo in case it gets damaged or destroyed because of fire, theft, vandalism, and other covered perils

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Camera Shop Insurance Cost

The average camera shop insurance cost is $53.50 per month or $642 per year for a $1 million general liability policy. Premiums for camera shop insurance may depend on a number of key factors.

  • What type of insurance coverage do you need?-If you do not have to have commercial property insurance or you do not have workers and therefore do not carry workers’ comp insurance, you may find that the cost to insure your camera shop is far lower

  • How much coverage do you need?-If you have a number of expensive cameras in the store or the need to cover potentially high repair costs, you may need more insurance coverage than someone who has a smaller camera shop, focusing primarily on accessories or other low-cost items. The more coverage you carry, the more you may pay for your insurance coverage

  • What is the likelihood of a damaging incident that will result in a claim?-If you have a high likelihood of a damaging incident, including keeping your shop in an area with regular theft or vandalism, it may increase your insurance costs. Past claims may also mean higher insurance costs for your future insurance needs

In connection, here’s another table showing the cost of a $1 million general liability policy from the companies we recommend:

Cost per Month Cost per Year Best for
NEXT $25 $300 Best overall; Fastest general liability insurance for camera stores
CoverWallet $31.63 $379.56 Camera store insurance online quotes comparison
The Hartford $39.17 $470.04 Workers compensation insurance for camera stores
Tivly $40.50 $486 Comparing camera store insurance quotes over the phone
Hiscox $43.80 $525.60 Camera store insurance that automatically renews every year
Thimble $49 $588 Short-term liability insurance coverage; limited-term coverage

Compare Cheap Camera Shop Insurance Quotes Online

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Best Camera Store Insurance Companies

Get comprehensive coverage at a reasonable price by working with a trusted carrier. Here are the best camera store insurance companies. Read some of the reviews below to know their pros, cons, and rate for a $1 million general liability policy. 

NEXT Camera Store Insurance


  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for camera stores

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 


  • Couldn’t find any 

NEXT offers a number of advantages for many camera shop owners. You will find a selection of policy options that allow you to choose between coverage amounts and coverage areas that work for your specific needs. Furthermore, you can get an online certificate of insurance as soon as you sign up, so you can quickly and easily provide proof of insurance if needed. 

Best for: Best overall; Fastest general liability insurance for camera stores

Average cost: $25 per month 

Our rating: 10/10

CoverWallet Camera Store Insurance


  • Compare camera store insurance quotes online 

  • Cancel your coverage anytime with no charges

  • Buy a quote online or with the help of an agent 


  • Not an insurance company but an insurance broker 

CoverWallet is an insurance company that outsources its camera store insurance quotes from partners such as Liberty Mutual, Hiscox, and Chubb. Use this company’s online quotes comparison tool to find the best rates before getting covered. By providing some of your  basic business information, CoverWallet’s quote comparison tool can show coverage limits, floaters, and rates. 

Best for: Camera store insurance online quotes comparison

Average cost: $31.63 per month

Our rating: 10/10

The Hartford Camera Store Insurance


  • Hired/non-owned auto liability coverage automatically included to general liability insurance

  • Waiver of subrogation automatically included to general liability insurance

  • Number 2 best company for workers compensation insurance

  • Has insured millions of small businesses


  • There might be hidden charges

The Hartford has 200+ years of underwriting business insurance for small and big businesses. To date, it has insured 1 million businesses. Your camera shop insurance from The Hartford consists of customizable policies that’s comprehensively designed for the best protection. For one, you can decide to get $1 million-$2 million general liability insurance. You can even add floaters for a more comprehensive protection. 

Best for: Workers compensation insurance for camera stores

Average cost: $39.17 per month

Our rating: 10/10

Tivly Camera Store Insurance


  • Compare camera shop insurance quotes over the phone

  • Responsive customer service 

  • A partner of many reputable companies such as NEXT, The Hartford, and Thimble


  • You have to call to get a quote 

Tivly doesn’t have a camera store insurance package. However, it can get you covered by compiling the retail insurance quotes of its partners. Policies you can avail from this company are general liability, commercial property, product liability, and other business insurance policies. Call a Tivly representative now to compare quotes over the phone. 

Best for: Comparing camera store insurance quotes over the phone

Average cost: $40.50 per month 

Our rating: 10/10

Thimble Camera Shop Insurance


  • Short-term coverage can help bridge the gap when you do not have insurance coverage during a specific period of time

  • Instant coverage if you sign up online

  • Fast quotes


  • Online-only customer support, with no phone assistance

Thimble offers short-term liability insurance policies and monthly coverage. It can be a great option if you plan to host a pop-up camera shop or you want to ensure that you have coverage for a specific event. 

The company also offers annual general liability coverage for your long-term needs. Note that Thimble doesn’t have a camera store insurance program. Instead, you purchase a policy through its electronic store insurance package. 

Best for: Short-term liability insurance coverage; limited-term coverage

Average cost: $49 per month

Our rating: 9/10

Hiscox Camera Shop Insurance


  • Online claim filing and tracking

  • In-house insurance adjusters, which help ensure faster processing on a new policy or claim

  • Worldwide coverage


  • Slow processing on some claims

  • May prove difficult to get coverage, depending on your policy

Hiscox can provide considerable coverage, including up to $2 million in business liability coverage. It offers both local and international coverage, making it ideal for camera shops that are expanding. 

Best for: Camera store insurance that automatically renews every year

Average cost: $43.80 per month

Our rating: 9/10

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