Photography Insurance:

Take Pictures, not Risks

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What is photography insurance?

Photography insurance is an insurance for people in the photography & videography industry. However, camera insurance is just one policy of the package. Additionally, there are many more risks in the industry. Some risks are:

  • Firstly, equipment like stands and harnesses might cause injuries during your work. 
  • Secondly, camera insurance and insurance for all your equipment, is a must. You need to buy commercial drone insurance  if you use drones.
  • Thirdly, photographers are also at risk of libel and slander lawsuits.
  • Lastly, if you own a photo studio, you will also face common risks associated with owning a business. 

In this article

If you’d like a personalized photography insurance quote for your business, get in touch with us!

Who needs photographer’s insurance?

As a rule, photography insurance covers businesses who generate income from photography or videography. These include: 

  • Professional photographers / videographers 
  • Photo studios  
  • Photojournalists  

Recently, Nussenzweig vs. DiCorcia case in the New York State Court Court gave a win to photographers for using public photography for non-advertising purposes. However, lawsuits can still arise from the use of photos you took.  

Overall, the best insurance for photographers allows them to focus on their work. On the other hand, its protects them against all physical or legal risks. 

What policies fall under photography insurance?

Business Owners Policy (BOP):

business owners policy is an insurance policy for small-to-medium sized businesses. If you own a photo studio , you will need a business owner’s policy. 

Generally, BOP bundles liability insurance with commercial property and business income insurance . 

General Liability Insurance:

General liability insurance is a must for businesses. CGL provides coverage against any loss that may arise as a result of your business activities. 

For example, a person trips over a camera stand you set up and injures himself. General liability coverage will pay the medical costs in such a case.You might also need workers compensation coverage in photography business.

Commercial Property Insurance:

Commercial property insurance covers your losses from property damage due to named perils. In particualr, these named perils are fire, theft, vandalism, and other damages listed in the policy. 

Generally, this policy is also added in a BOP. However, if you have not bought a BOP , you will need this coverage in photography insurance. 

Business Interruption Insurance:

A business interruption insurance policy covers you for loss of income due to various reasons. Some policies also provide relocation costs. 

For example, if your studio gets damaged by fire, the policy covers the loss of income you face due to the damages . 

Commercial Auto Insurance:

If you own vehicles used for business purposes, commercial auto insurance is a must. 

The coverages of a commercial auto policy provides is very similar to a personal auto policy. Namely, common coverages include vehicle accident damages and injuries, theft, vandalism, and other losses. 

Professional Liability Insurance:

Professional liability insurance protects professionals against losses that may arise due to professional negligence or improper advice.  

Specifically, this policy is necessary for photojournalists or photography schools to protect them against malpractice claims. 

Errors and Omissions Insurance:

Error and omissions insurance is usually added to professional liability coverage. E&O protects from losses that result from mistakes in official documents. 

Particularly, photographers who work on a contractual basis will need this policy to protect them from possible lawsuits from errors or omissions. Additionally, if clients find your work below par, or not what they were promised, they have the right to sue you. E&O insurance protects you in such cases. 

Cyber Liability Insurance:

Cyber liability insurance protects your digital assets and covers you in cases of data breach charges as a part of photography insurance. 

Photography is a highly digital field, with huge amount of data in clouds and servers. Usually, this data might be highly sensitive for your client .Therfore, data leak can result in big damages. 

Inland Marine Insurance:

Professional photography and videography require expensive cameras, harnesses, and other sensitive equipment. Inland marine insurance insures these assets while they are on transit for business purposes. estimates that a professional camera costs anywhere upwards of $3,000, not counting lenses. 

For example,if your camera gets damaged in an auto accident, this policy will pay to repair or replace it. Usually, a specialized form of inland marine for the photography industry would be camera equipment insurance. 

Standard exclusions you need to consider 

There are a few common exclusions in photography insurance .Thus,you might need to add them in your policy according to need.  Namely,the exclusions include: 

  • Hazardous location exclusions: If you work in dangerous locations (wildlife photography, war journalism, and similar work), standard insurance might not be enough. Therefore, you might need more coverage.
  • Third-party property exclusions: Generally, third-party equipment under your care (rented equipment, equipment for repairs) is not covered by camera insurance . In short, if your business rents or repairs such equipment, you will need to get third-party coverage. 
  • Wear-and-tear exclusions: While insurance will cover you for damages to your equipment, it might not cover standard wear-and-tear damage.  In this case, this damage will usually be covered via product warranty, or out-of-pocket repairs .

How much does photography insurance cost?

There is no standard price for photography coverage. Each policy is written on a case-by-case basis and depends on some factors. These include:

The equipment you operate

Number of employees

Type of business, and more.

If you’d like a personalized photography insurance quote for your business, get in touch with us!