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Photographer Insurance: Liability, Cost & Quote from $11

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!


For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

Table of contents
1. Do Photographers Need Insurance?2. Best Insurance For Photographers 3. Photographer Liability Insurance3.1. General Liability Insurance For Photographers3.2. Professional Liability Insurance For Photographers 4. Commercial Property Insurance For Photo Studios5. Business Owner’s Policy For Photographers6. Photography Equipment Insurance For Camera Equipment6.1. Stand Alone Tools And Equipment Coverage As Insurance For Camera Equipment 6.2. Insuring Photo Gear Through A General Liability Policy With Optional Tools And Equipment Coverage 6.3. Insuring Photo Equipment With Commercial Property Insurance 6.4. Inland Marine Insurance For Camera Gear 7. Workers Compensation Insurance For Photographers8. Cyber Liability Insurance For Photographers 9. Drone Photography Insurance 10. Camera Insurance For Photographers11. Photographer Insurance For One Day12. One Day Event Insurance For Photographers 13. Wedding Photographer Insurance14. Real Estate Photography Insurance15. Photography Insurance Cost  16. Best Photography Insurance Companies16.1. NEXT Photography Insurance 16.1.1. Pros16.1.2. Cons16.2. CoverWallet Photography Insurance 16.2.1. Pros16.2.2. Cons16.3. Tivly Photographer Insurance 16.3.1. Pros16.3.2. Cons16.4. Thimble Photography Insurance   16.4.1. Pros16.4.2. Cons16.5. Hiscox Photography Insurance   16.5.1. Pros16.5.2. Cons16.6. State Farm Photography Insurance   16.6.1. Pros16.6.2. Cons16.7. RV Nuccio Photographer Insurance  16.7.1. Pros16.7.2. Cons16.8.  Travelers Photography Insurance   16.8.1. Pros16.8.2. Cons16.9.   Allstate Photography Insurance  16.9.1. Pros16.9.2. Cons16.10. Progressive Photography Insurance 16.10.1. Pros16.10.2. Cons16.11. PPA Photography Insurance  16.11.1. Pros16.11.2. Cons16.12. National Photographers Insurance   16.12.1. Pros16.12.2. Cons16.13. Hill and Usher Photography Insurance   16.13.1. Pros16.13.2. Cons16.14. The Hartford Photography Insurance 16.14.1. Pros16.14.2. Cons16.15. Full Frame Photography Insurance   16.15.1. Pros16.15.2. Cons16.16. Pro Photographers Insurance   16.16.1. Pros16.16.2. Cons

Photographer insurance will protect you if photo equipment gets lost by accident or stolen. You can also use this to cover lawsuits for bodily injuries, property damage, and copyright infringement. Policies included in a photographer insurance plan are general liability, professional liability, commercial property, and more. 

Do Photographers Need Insurance?

So do photographers need insurance? Photographers need to have the minimum level of liability insurance upon the client’s request. Clients who have big projects might only hire you if you have $1 million-$2 million liability coverage, which they can be named as additional insureds. 


Best Insurance For Photographers 

You have a lot of options. However, a comprehensive protection plan will comprise of the following best insurance for photographers:

  • Liability insurance-Either a general liability or professional liability policy. At the minimum, you need to have at least $300,000 in coverage

  • Commercial property insurance-While this is usually ideal if you have a photography studio, commercial property insurance is still useful if you don’t have one as it can cover photography equipment

  • Business owner’s policy-This acts as a commercial property and general liability insurance at the same time.

  • Workers compensation insurance-You can use this insurance to cover expenses without using personal money when an employee sustains a work-related injury or disease

  • Cyber liability insurance-Takes care of expenses you face after an error or cyber attack. This the best business insurance for photographers that need protection against phishing, malware, ransomware, etc. 


Photographer Liability Insurance

Photographer liability insurance is a term that pertains to either a general liability or professional liability policy. The sections below discuss how each works. 


General Liability Insurance For Photographers


General liability insurance per occurrence limitGeneral liability insurance aggregate limit
RV Nuccio$1,000,000/$2,000,000$1,000,000/$2,000,000
Full Frame$1,000,000$2,000,000
Pro Photographers$1,000,000/$5,000,000$1,000,000/$5,000,000
NEXT(Best)$500,000/$1,000,000$500,000/$2,000,00
Thimble$1,000,000/$2,000,000$1,000,000/$2,000,000
Hiscox$300,000/$1,000,000$300,000/$2,000,000
The Hartford$1,000,000/$2,000,000$1,000,000/$2,000,000
CoverWallet$1,000,000$2,000,000
Hill and Usher$1,000,000/$2,000,000$1,000,000/$2,000,000
PPA$1,000,000$2,000,000
Progressive$300,000/$1,000,000$2,000,000
Allstate$1,000,000/$2,00,000$2,000,000

Accidents can happen in a photography session, especially if you do this outside. Further, the use of dangerous props increases the risk of people getting hurt while you’re taking photos. 

Freelance and professional photographer insurance programs offer a general liability policy as a primary coverage. That said, protection begins with this. Use the table above to compare the general liability policy from some of the companies we recommend. 

General liability insurance for photographers takes care of situations where your photography session results in an injury or property damage to third parties. Here are some scenarios where you’ll find this insurance useful:

  • You were working with a model for a reptile-themed photo shoot. The model was bitten by the python she was holding. Because of this, you were sued for injuries as well as trauma

  • During a home photoshoot, your lighting toppled, hit the client’s wall, and exploded. The wall sustained noticeable damage. And so, the client demanded compensation for fixing it


These are the expenses that your general liability policy can take care of each time clients, independent contractors, homeowners, businesses, and other third parties file a claim for bodily injury or property damage:

  • Medical treatment

  • Reimbursement or refund for the damaged property

  • Legal expenses

  • Settlements

  • Court judgments


Similar to the general liability policy of graphic design insurance plans, the general liability policy of professional and freelance photographer insurance plans also covers claims of copyright infringement. 

This is why you can’t skip having it. In practice, you can also use a general liability policy to cover claims if another business entity accuses you of using their intellectual property without proper attribution or monetary compensation. 

On a side note, this business liability insurance for photographers can also cover related claims for:

  • Slander

  • Libel

  • Invasion of privacy


Just as with their videographer insurance packages, insurance companies allow you to avail optional coverages from the general liability policy of their photographer’s insurance packages. The following are the optional business insurance for photographers you can usually get:

  • Tools and equipment coverage

  • Hired/non-owned auto liability coverage

  • Customer property coverage

  • Waiver of subrogation


Professional Liability Insurance For Photographers 


Professional liability insurance per occurrence limitProfessional liability insurance aggregate limit
RV Nuccio$1,000,000/$2,000,000$1,000,000/$2,000,000
Full Frame$1,000,000$1,000,000
Pro Photographers$1,000,000/$5,000,000$1,000,000/$5,000,000
NEXT$1,000,000$1,000,000
Thimble$1,000,000/$2,000,000$1,000,000/$2,000,000
Hiscox$300,000/$1,000,000$300,000/$2,000,000
The Hartford$1,000,000/$2,000,000$1,000,000/$2,000,000
CoverWallet$1,000,000$2,000,000
Hill and Usher$1,000,000/$2,000,000$1,000,000/$2,000,000
PPA$1,000,000$2,000,000
Progressive$500,000/$1,000,000$1,000,000
Allstate$500,000/$2,000,000$2,000,000


You have legal responsibility over your services. This is why clients can file a claim if negligence, mistakes, or any other issues you commit while working result in financial losses. General liability insurance doesn’t cover this exposure. You need another type of commercial photography insurance coverage-professional liability insurance

Use the table above to compare the professional liability insurance from some of the companies we recommend for photographers. 

Professional liability insurance takes care of claims filed by clients against a photography service. Here are the situations where you’ll find this photo shoot insurance policy useful:

  • Clients filed a claim and accused you of submitting an output that poorly and hastily done

  • Clients filed a claim and accused you of faking your certifications and work portfolio

  • Clients filed a claim and accused you of conniving with another business to gain better commission

  • Clients filed a claim and accused you of leaving a photography project after receiving the initial payment


Insurance companies offer professional liability insurance for photographers as an occurrence or claims-based policy. Go for occurrence if you want lifetime coverage. On the other hand, the claims-based professional liability insurance works best if you plan to switch to another carrier in the future.

A professional liability policy is the best liability insurance for photographers that want coverage against sexual harassment claims.

Depending on which company you work with, the professional liability policy of photo production insurance programs might optionally or automatically offer a sexual abuse and molestation coverage. 

Insurance companies that underwrite cameraman insurance plans sometimes offer professional liability insurance as an optional coverage to general liability insurance. If availed this way, the limits of professional liability insurance will depend on the limits defined in the quote for a general liability policy. 

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Commercial Property Insurance For Photo Studios


CoverWalletNEXT (Best)ThimbleHiscoxThe HartfordProgressive
Building coverage limit (minimum)$50,000$170,000$25,000/$500,000$25,000$50,000$25,000
Contents coverage limit (minimum)$50,000$20,000$25,000/$500,000$25,000$50,000$25,000
Outdoor signsExcluded$2,500Excluded$2,500IncludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncludedIncluded
Money and securitiesExcluded$2,500$1,000IncludedIncludedIncluded
Lock and keys Excluded$2,500ExcludedIncludedIncludedIncluded
Business interruption floaterExcludedIncludedIncludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedIncludedIncluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedIncludedIncluded


For photography studio insurance, what we recommend is a commercial property policy. Commercial property insurance will reimburse your losses if the photo studio gets damaged or destroyed because of:

  • Fire

  • Theft

  • Vandalism

  • Civil commotion

  • Malicious mischief

  • Lightning

  • Weather

  • Sinkhole collapse

  • Volcanic action

  • Impact

  • Falling objects

  • Vehicle

  • Aircraft


Use the table above to compare the commercial property insurance of the companies we recommend. 


Business Owner’s Policy For Photographers


CoverWalletThimble NEXT (Best)HiscoxThe HartfordProgressive
General liability aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000$2,000,000$2,000,000
Commercial property coverage limit $50,000$500,000$250,000$50,000$50,000$25,000
Optional policies can be added?YesYesYesYesYesYes
Name additional insureds for free?YesYesYesYesYesYes
BOP discount?YesYesYesYesYesYes


A business owner’s policy is a combination of commercial property and general liability insurance for photographers. It’s cost is cheaper than when you bought the two policies separately. Use the table above to compare the business owner’s policy of companies we recommend for photographers. 


Photography Equipment Insurance For Camera Equipment

Numerous options exist for getting photography equipment insurance for camera equipment. You can go for stand-alone tools and equipment coverage, general liability insurance with optional tools and equipment coverage, commercial property insurance, and inland marine insurance. 


Stand Alone Tools And Equipment Coverage As Insurance For Camera Equipment 

A stand-alone tools and equipment coverage provides the most comprehensive insurance for camera equipment. Depending on which insurance company you purchase it, this insurance offers $50,000-$100,000 coverage for cameras, lenses, tripods, lighting sets, reflectors, and other implements. The coverage of tools and equipment insurance for camera equipment applies when these exposures happen:

  • Theft

  • Fire

  • Vandalism

  • Mysterious disappearance

  • Mechanical breakdown

  • Electrical breakdown

  • Electrical surge

  • Electrical shorts


A stand-alone tools and equipment coverage might offer a rental extension. Adding a photography rental insurance floater allows your stand-alone tools and equipment coverage to reimburse the losses of the owner in case rented or borrowed photography equipment gets damaged or lost because of the perils we mentioned. 


Insuring Photo Gear Through A General Liability Policy With Optional Tools And Equipment Coverage 


Tools and equipment insurance coverage limitRental equipment floater included?
RV Nuccio$5,000/$10,000No
Full Frame$2,000/$15,000No
Pro Photographers$10,000No
NEXT$5,000/$10,000Yes
Thimble$2,500/$5,000No
Hiscox$5,000/$25,000No
PPA$100,000No


A general liability policy can be used as a photography gear insurance, provided that it offers optional tools and equipment coverage. 

Optional tools and equipment coverage works similarly to its stand-alone counterpart. The only difference is that you get a lower amount of coverage, which is $5,000-$25,000 in most cases. Moreover, tools and equipment insurance might cover rented or borrowed photography gear subject to which company underwrote it. 

A general liability policy with tools and equipment coverage is the best insurance for photography equipment if convenience is what you’re looking for. You can use the table above to compare the optional tools and equipment insurance of companies we recommend.


Insuring Photo Equipment With Commercial Property Insurance 

While most use commercial property insurance to cover buildings, the policy isn’t limited to this function only. After all, your business property isn’t only the photo studio but also the things inside it. 

That said, a commercial property policy is the best insurance for camera equipment that got damaged or lost while inside your photo studio. 

A commercial property policy can be used as a photo equipment insurance, because it has a contents coverage. 

The contents coverage of commercial property insurance can be used when cameras, lenses, tripods, lighting sets, and other equipment gets lost or damaged while in the business premises due to fire, theft, vandalism, and other covered perils.  


Inland Marine Insurance For Camera Gear 

Stand-alone tools and equipment coverage, general liability insurance with optional tools and equipment coverage, and commercial property insurance doesn’t cover camera gear during transit. 

Inland marine insurance is the best camera gear insurance for photographers that frequently travel. 

If your cameras, lenses, tripods, flashes, and other gears get lost or damaged during transit because of fire, theft, vandalism, impact, mysterious disappearance, negligence, and other covered perils, this photography business insurance will cover replacements and reimburse financial losses.


Workers Compensation Insurance For Photographers

Authorities will require workers compensation insurance if you’re a photographer with one or more full-time and part-time employees. 

Employees can fall from a height while installing lighting or props. Bodily injuries might be sustained due to squatting or bending. Moreover, camera gear is heavy and continuous lifting can result in muscle strains. 

Workers compensation insurance will take care of the following expenses if an employee sustains a work-related injury or disease:

  • Medical treatment

  • Hospitalization

  • Medication

  • Rehabilitation and retraining

  • Lost wages

  • Funeral expenses and allowance to dependents in case of death


Cyber Liability Insurance For Photographers 

Cyber liability insurance will cover expenses if you become a victim of data breach. This insurance usually takes care of these expenses:

  • Public relations

  • Legal defense

  • Professional services for containing the breach

  • Credit monitoring

  • Fines imposed by authorities


An electronic data loss coverage is included in cyber liability insurance. You can use this to recover financial losses and take care of data recovery expenses in case photos you’re about to edit and submit gets lost following a cyber attack. 


Drone Photography Insurance 

A drone photography policy is what you need if you’re looking for a photography and drone insurance program. This is designed for:

  • Construction photographers

  • Photographers working for land surveyor firms

  • Aerial photographer

A drone photography policy package is made out of $5,000 medical expenses coverage, $5,000 bail bond, $100,000 fire legal liability coverage, contractual legal liability coverage, and $100,000 equipment coverage for the drone and photography equipment.

Drone insurance policies might be also included such as hull coverage, flight liability coverage, and more. 


Camera Insurance For Photographers

Camera insurance, as the name implies, only covers the camera and its attachments. Coverage doesn’t apply to photography equipment such as lighting, stands, drones, and others. 

You have two options for getting camera insurance for photographers-avail it through a homeowner or renter’s insurance policy or as a stand-alone insurance program

Homeowner’s and renter’s insurance policy comes with a personal property coverage. You can schedule your camera and its attachments in a personal property coverage. When the camera and its attachments get lost or damaged while in the house, condo, or any other place, the personal effects coverage will take care of replacement or repair expenses. 

Note that this option is only viable for hobbyist photographers. 

The stand alone camera insurance is available as a policy for personal use or commercial use. This one provides comprehensive limits. Moreover, perils excluded in the personal property coverage of homeowners' or renters' insurance are included. 


Photographer Insurance For One Day

Insurance companies sell photographer insurance for one day as a short-term general liability policy. 

A short-term general liability insurance only lasts for hours, days, or weeks. The duration of the coverage depends on your preference. Most insurance companies that sell a 24 hour photographer insurance issue an online proof of insurance immediately. 

The general liability policy of one day photography insurance has a $1 million-$2 million per occurrence limit. Some optional policies found in the usual general liability policy might not be included. 

So how much do premiums cost? There’s no fixed price as the cost of one day liability insurance for photographer will depend on how long you want to get covered. 


One Day Event Insurance For Photographers 

General liability insurance$1,000,000 per occurrence

$2,000,000 aggregate
Professional liability insurance$100,000 per occurrence limit

$200,000 aggregate
Camera equipment insurance coverage limit$1,000 per occurrence

$5,000 aggregate


Another way of getting short term photography insurance is by buying an events insurance package that lasts for one day. 

One day event insurance for photographers consists of a $2 million-$5 million general liability policy, $10,000-$15,000 camera gear insurance, event cancellation coverage, and $100,000-$2 million drone coverage. 

While it usually lasts for 24 hours, it’s possible for you to extend the coverage of photography event insurance for up to several days. Note that premiums will be determined based on how long you want to be covered. By the way, some insurance companies allow you to pause your single event photographer insurance. 

Most carriers that sell photographer event insurance immediately issue a certificate of coverage. And so, this is a great option for an on-demand policy for satisfying requirements if your existing policy is slow to issue a certificate of insurance. 

Use the table above to see the features of events insurance for photographers, as underwritten by insurance companies we recommend. 


Wedding Photographer Insurance

General liability insurance aggregate limit$2,000,000
Professional liability insurance aggregate limit$75,000
Cyber liability insurance aggregate limit$100,000
Camera equipment insurance aggregate limit$200,000


As it goes with the name, wedding photographer insurance is a specialty insurance product specifically made for professionals that specialize in wedding photography. Purchase this because your client’s wedding insurance doesn’t extend to your work. 

This is available as a short-term coverage or long term coverage. If availed as a short-term coverage, wedding photography insurance lasts for 1-3 days. 

Composing this tailored protection package are liability insurance, equipment insurance, professional liability insurance, rental equipment insurance, and inland marine insurance. 

The limits of wedding photographer liability insurance can range from $1 million-$2 million. The table above shows the complete features of this coverage. 


Real Estate Photography Insurance

General liability insurance aggregate limit$2,000,000
Professional liability insurance aggregate limit$75,000
Cyber liability insurance aggregate limit$100,000
Camera equipment insurance aggregate limit$200,000


Real estate photography insurance is a package program made for real estate photographers that work as an employee or independent contractors of property inspection firms, brokerage firms, and other related businesses. 

Policies offered are general liability, tools and equipment, and professional liability insurance. The table above allows you to see the coverage limits of real estate photographer insurance based on a quote we found online.

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Photography Insurance Cost  


Cost per MonthCost per YearDeductible
General liability insurance$39$468$0-$500
Professional liability insurance$49$588$500-$1,000
Commercial property insurance$45$540$1,000-$2,500
Business owner’s policy$70$840$500-$1,000
Workers compensation insurance$60$720$2,000-$5,000
Cyber liability insurance$50$600$500-$1,000
Photography equipment insurance$41$492$500


The average photography insurance cost is $39 per month or $468 per year for a $1 million general liability insurance. Factors that affect the cost of premiums are claims history, business history, business size, number of employees, and annual revenues. 

The average photography equipment insurance cost is $41 per month or $432 per year, provided that you have $100,000 worth of photography equipment to be insured.

Below is another table that shows the respective photographer liability insurance cost of companies we recommend:


Cost per MonthCost per YearBest for
RV Nuccio$4.58$54.96Cheapest plan
Full Frame$10.75$129Limited insurance budget
Pro Photographers$15.29$183.48Home studios
NEXT$17$204Best overall; Fastest general liability insurance for photographers
CoverWallet$25$439.92Photography insurance quotes comparison online
Tivly$27$324
Hiscox$29.16$350Home studios
Thimble$37$300One-day coverage
The Hartford$39$468Employee Coverage
Hill and Usher$41.66$499.92Studio owners
PPA$42$504Comprehensive coverage
Progressive$55$660Photographers with employees
National$59$708Instant coverage
Allstate$73.83$885.96Full coverage
State FarmState Farm doesn’t state an average pricing for its photographer insurance.State Farm doesn’t state an average pricing for its photographer insurance.Equipment coverage
TravelersTravelers doesn’t state an average pricing for its photographer insurance.Travelers doesn’t state an average pricing for its photographer insurance.Customer service


Get cheap photography insurance quote by clicking the “Get Quotes” button on this page. Our quotes generator will allow you to compare the offers and features of insurance packages from numerous insurance companies. 

Aside from comparing quotes, you’ll enjoy cheaper photography business insurance cost by doing these things:

  • Bundling general liability and commercial property insurance in a BOP

  • Becoming a member of photography organizations

  • Have indemnity clauses of contracts in your favor 

  • Having high deductibles 

Compare Cheap Photographer Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Photography Insurance Companies

Working with the right insurance company helps you get comprehensive coverage at the reasonable price. Here are the best photography insurance companies. Take a look at their pros, cons, and pricing for a $1 million general liability policy.

NEXT Photography Insurance

Pros

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for photographers

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn’t find any

NEXT underwrites a tailored insurance for photographers having general liability, workers compensation, commercial auto, and commercial property insurance policies. Work with NEXT because you can get a 10% discount if you decide to get covered with two or more insurance. Also, the company will give a live certificate of insurance you can send as an email, text message, or social media post. NEXT’s photography liability insurance cost is $17 per month on average.

Best for: Best overall; Fastest general liability insurance for photographers

Average cost: $17 per month

Our rating: 10/10


CoverWallet Photography Insurance

Pros

  • Stable rates

  • Compare photography insurance quotes to get the best coverage

  • Get insured online

  • Photographer insurance has terrorism coverage

Cons

  • Not an insurance company but an insurance broker

CoverWallet is an insurance broker selling a tailored photography insurance made out of its partners’ insurance products. With this company, you can get insured easily online. Know that its tailored insurance for photographers offers general liability coverage, professional liability, commercial property, and other business insurance policies. CoverWallet allows you to add additional insureds for free and cancel a policy anytime. It even has an online quotes comparison platform you can use to compare the rates of other companies offering photographer insurance.

Best for: Photography insurance quotes comparison online

Average cost: $25 per month

Our rating: 10/10


Tivly Photographer Insurance

Pros

  • Compare photographer insurance quotes over the phone

  • Responsive customer service

  • A partner of reputable insurance companies, such as NEXT and Progressive

Cons

  • You need to call to get a quote

You can get wedding photographer insurance and aerial photography insurance packages from Tivly (formerly CommercialInsurance.NET). Call Tivly now and talk with a representative to compare quotes over the phone.

Best for: Comparing wedding photography and aerial photography insurance quotes over the phone

Average cost: $27 per month

Our rating: 10/10


Thimble Photography Insurance

Pros

  • A monthly coverage option is available

  • You can pause or cancel your coverage when needed

  • Comprehensive coverage

Cons

  • No coverage for photography studio

Thimble is fairly new in the insurance landscape, having only been established in 2016. Third-party insurance agencies, including Global Aerospace, Inc., and Markel Insurance Company, underwrite Thimble’s insurance policies.

Their photography insurance product is unique in that you are allowed to buy the coverage for a day or when needed. Each of their policies allows you to add extra insureds at no cost.

Best for: One day coverage

Average cost: $37 per month

Our rating: 9/10


Hiscox Photography Insurance

Pros

  • You can get quotes, purchase policies, and file claims online

  • Discounts available for home-based businesses

  • Suitable for businesses with 0-10 employees

Cons

  • Photographers in Alaska do not get professional and general liability

  • BOP is not offered

  • No mobile app

Hiscox is founded in 1901. Its minimum premium for general liability is $350, but if you have a home studio, you are eligible for a 5% discount. You can get a $300,000-$2 million general liability policy from this company, a minimum of $25,000 commercial property insurance, $250,000 cyber liability insurance, and a business owner’s policy.

Best for: Home studios

Average cost: $29.16 per month

Our rating: 9/10


State Farm Photography Insurance

Pros

  • Flexible coverage

  • Affordable DSLR camera insurance package

  • Zero deductible

Cons

  • Photography in Massachusetts and Rhodes Island are not covered

  • Doesn’t have online quotes for an estimated pricing

State Farm, founded in 1922, has its headquarters in Bloomington. According to its annual report, the company works with 97 million customers, handles 24,000 claims, and has paid $7 billion for catastrophic losses. With an A++ financial strength rating, State Farm assures it has your back.

State Farm photographer insurance includes a drone package that's a go-to for hobby drone photographers looking for affordable coverage.

Best for: Equipment coverage

Average cost: State Farm doesn’t state an average pricing for its photographer insurance

Our rating: 9/10


RV Nuccio Photographer Insurance

Pros

  • Ability to renew online 24/7

  • Quotes available in less than 5 minutes

  • Nationwide coverage

Cons

  • Mobile app not available

Rv Nuccio was founded in 1990 and was the pioneer of specialty insurance programs. Based in Los Angeles, the insurer operates nationwide as an insurance broker and program administrator. Their photographer insurance starts at $55 annually and includes general liability, property and equipment coverage, employee crime coverage, and workers' compensation.

Best for: Cheapest plan

Average cost: $4.58 per month

Our rating: 9/10


Travelers Photography Insurance

Pros

  • Highly tailored coverage for photographers

  • Strong financial standing

  • High policy limits

Cons

  • Doesn’t have online quotes for an estimated pricing

Travelers is an American insurance company founded in 1864. While it started as an auto and home insurance company, it now offers specialty products, including photography insurance. The latter is offered in 42 states and Washington, DC.

This insurance company doesn’t offer stand-alone general liability coverage. Instead, protection is sold as a business owner’s policy for photographers having commercial property insurance, general liability insurance, employee crime insurance, and business income protection. Note that you can upgrade Traveler’s BOP for photographers into Power Pac PremierSM. This is a specialized policy offering 40 types of coverages.

Best for: Customer service

Average cost: Travelers doesn’t state an average pricing for its photographer insurance

Our rating: 8/10


Allstate Photography Insurance

Pros

  • Free express shipping to and fro repair centers

  • A network of local agents

  • A++ financial strength

Cons

  • Costly plans

Allstate was founded in 1931 and has evolved to be one of the most sought-after insurers. In 2021, the insurer wrote over $27 billion in premiums catapulting its market share to 10%. When seeking photographer insurance, you will be required to start your policy with a local agent. In terms of claims filing, you can do so through their official website or over the phone.

Best for: Full coverage

Average cost: $73.83 per month

Our rating: 8/10


Progressive Photography Insurance

Pros

  • Multiple coverage options

  • A long history of offering insurance to customers in the U.S

Cons

  • One-day photography insurance and shoot-based coverage are not available

Progressive has been operational since 1937. While it started out only offering auto and homeowners insurance products, it has extended its product pool to include an array of business and commercial coverage.

For photography insurance coverage, Progressive lets you tailor your own policy, which will automatically include general liability coverage. In case you have a photography studio where you've hired additional help, you could get workers' compensation coverage and business owner's policy (BOP).

Best for: Photographers with employees

Average cost: $55 per month

Our rating: 8/10


PPA Photography Insurance

Pros

  • Members get malpractice insurance

  • Agents that help with access to good photography equipment

Cons

  • PPA membership is compulsory

PPA (Professional Photographers of America Insurance) is a non-profit photography association with over 30,000 members in 50 countries. The NGO founded in 1868 has, with time, curated insurance policies for its members.

The insurer leaves nothing to chance with its general liability insurance. Moreover, its specialty product for photography equipment, PhotoCare, gives PPA members up to $100,000 in equipment insurance automatically.

Best for: Comprehensive coverage

Average cost: $42 per month

Our rating: 8/10


National Photographers Insurance

Pros

  • Nationwide coverage

  • Network of agents available

Cons

  • Poor customer service

National is a nationally recognized insurer that starts its photographers' insurance at $59. The type of coverage includes general liability and equipment, which is the perfect solution if you want to get protected without unnecessary coverage.

Best for: Instant coverage

Average cost: $59 per month

Our rating: 8/10


Hill and Usher Photography Insurance

Pros

  • A policy specifically targeted at studio owners

  • Comprehensive coverage available

Cons

  • Policies have to be underwritten by a third party

  • No per-gig insurance coverage

Hill & Usher was founded in 1995 as a boutique construction-only insurance firm. At the time, they specialized in large and hard-to-place commercial accounts. With time, however, they have started offering other insurance packages.

Hill & Usher photography insurance, Package Choice coverage, fulfills all photography coverage needs. The insurer offers Package Choice, the specialty insurance for professional photographers. This policy bundles together property and liability coverage, thus offering photographers the option of paying a single premium for these while still comprehensively protecting their business.

This policy protects your photography equipment both in the US and Canada. If you travel to other locations, you can extend your premium to get international coverage. You also have the option of insuring rented or leased equipment.

Note that this policy also covers your studio. This means that if your computers, printers, furniture, dark-room equipment or supplies get stolen or damaged, you are assured of coverage. What's more, if you intend on making improvements to your studio space, the policy should sufficiently cover these.

Suppose there's property loss. In that case, you are covered by the business income interruption and extra expense insurance, which will reimburse you for any lost income for at least 12 months.

Best for: Studio owners

Average cost: $41.66 per month

Our rating: 7/10


The Hartford Photography Insurance

Pros

  • A pool of coverage options

  • Quotes are available online, or you could work directly with an agent

Cons

  • Coverage for individual jobs is not available

The Hartford is a Fortune 500 company that was founded in 1810. With its A++ financial rating, the insurer is able to offer a variety of insurance products, including photography insurance. The Hartford's photographer's insurance coverage options are quite robust. They offer comprehensive coverage, especially for photographers with studios housing multiple teams.

Best for: Employee Coverage

Average cost: $39 per month

Our rating: 6/10

Full Frame Photography Insurance

Pros

  • Affordable plans

  • Flexibility to tailor your coverage

Cons

  • Coverage is not available in Iowa, Rhode Island, Vermont, and Massachusetts

  • Minimal coverage options offered

Full Frame has created a successful brand providing business insurance to small photography businesses. They offer scalable coverage options meant to meet the unique needs of photographers in a total of 44 states. Photographers seeking insurance get easy, hassle-free quotes that are handled online. As a photographer, you get to handle your policy directly with the company as the entire process is free of brokers.

The photography insurance policy from Full Frame includes general liability coverage, errors and omission coverage, professional liability coverage, and damage to rented premises coverage, among others.

There are three different policy plans, Annual Plus, Annual, and Event. The Annual Plus policy starts at $184 per year and covers your photography business up to $2 million in general liability. This includes multiple camera insurance options with the option of including additional policies. If you add an insured, you will incur $30 per individual.

The Annual policy costs $129 per year. It includes general liability coverage of up to $2M. The Event policy will set you back $59 and will cover you for one to three days.

Best for: Limited insurance budget

Average cost:$10.75 per month

Our rating: 6/10


Pro Photographers Insurance

Pros

  • Instant coverage for as low as $15.29 per month

  • You can get a quote and buy coverage online 24/7

  • Comprehensive drone liability policies of between $100,000 and $2 million

Cons

  • There's a ceiling on compensation

Pro Photographers Insurance has over 50 years of industry experience offering photography insurance products. As a specialist broker, the agents could also help you source top-notch equipment.

Best for: Home studios

Average cost: $15.29 per month

Our rating: 6/10


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