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Photographer with camera


Business Insurance Coverage For Photographers

Photography is your livelihood and your passion. Customers rely on your keen eye and unique perspective to fill their environment with beauty. Continue to progress as an artist and businessperson while helping to protect your photography shop with quality business insurance from Allstate.

Get A Business Owner Policy Quote.

Get a BOP quote

Have Questions About Business Insurance?

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Property Risks

Property Damage

Someone breaks in overnight and steals your expensive photography equipment.

Allstate Coverage

Business Personal Property

This coverage will replace the contents that were stolen or damaged and repair the damage from the incident. Your insurance covers your loss at what it would cost you to replace the items.

This coverage is included in the basic BOP. Coverage is available based on your needs.

Damage To Property While Off-Premises

You are on your way back from a photo shoot and are involved in an accident. Your camera is damaged in the accident.

Photographic Equipment Off-Premises*

This provides coverage for equipment that you own while away from your premises.

This coverage is available with the optional Photography Endorsement.

You Can't Open Your Store

A fire destroys the roof of your store and you cannot operate your business until repairs are made.

Business Income & Extra Expense

This provides for loss of income and fixed expenses while the business is closed due to a covered loss. Extra Expense can help set up the insured at a temporary location during repairs.

This provides your business with up to 12 months of coverage.

Damaged Documents

A pipe bursts and leaks all over a filing cabinet containing your critical documents; many are damaged and others completely destroyed.

Valuable Papers & Records

This covers you for damage or destruction of important documents used in your business.

This coverage is included in the basic BOP and is increased with Allstate business insurance for Photographers.

Cash Loss Due To Theft, Robbery Or Destruction

You handle a significant amount of cash in your business and a robbery could severely impact your income.

Money & Securities

This covers against the loss of money or securities due to theft, disappearance or destruction. This is normally an optional coverage, but is included with Allstate business insurance for Photographers.

This provides coverage on premise and off-premise in the event a theft occurs.

Liability Risks

Unexpected Developments

You take pictures of a wedding, but when you go to develop them, you notice that most are not turning out as expected.

Allstate Coverage

Miscellaneous Professional Liability

This coverage provides for the legal obligations arising out of professional errors, negligent acts or omissions during the course of practicing your profession.

Miscellaneous Professional Liability helps protect you if you are sued for acts that you perform in your profession.

Injury Lawsuit

You are sued because somebody visiting your store slipped and injured themselves due to a mopped floor.

General Liability

This provides coverage for injury to others at your premises and helps protect you from lawsuits brought against you.

Your coverage is based on a per-loss limit and an annual limit.

Customer Data Loss Or Theft

You maintain a significant amount of your customers' confidential personal and financial data. That information is lost or stolen.

Data Compromise*

This provides case management, legal support, credit monitoring and legally required notifications.

Save time and money, and avoid recovery costs.

Auto Risks

An Employee Causes An Accident

While performing work for you, your employee gets into an accident and causes injury and damage, you could be liable.

Allstate Coverage

Liability Protection

This coverage insures against injury to others and damage to other vehicles, even if it's due to your employee's negligence.

Vehicle Damage

Damage to your vehicle, whether your driver was at fault or not, can be very costly to fix.

Collision Coverage

This protection pays to repair damage, or even replace your vehicle if it is a total loss.

You can relax in knowing that we'll cover repairs or a replacement, subject to your deductibles.

Hail Storm Vehicle Damage

Hail can do real and costly damage to your vehicle, such as large dents and broken glass.

Comprehensive Solution

This protection pays to repair storm hail damage to your business vehicle.

You'll have peace of mind in knowing you're covered for hail damage repairs, subject to your deductibles.

You Are Injured By An Uninsured Driver

If you're in a vehicle collision with an uninsured driver and sustain serious injury, your livelihood could be at risk.

Uninsured Motorist Coverage

With this coverage, you may be protected for injuries in an accident that is caused by a driver with no insurance.

You may have the protection you need, based on your policy's Bodily Injury limit. (Restrictions apply in some states.)

Owe Money on Damaged Vehicle

If you still owe money on a loan or lease, you could be liable for the cost of replacing the vehicle.

Lease and Loan Gap Coverage

While most carriers will provide this coverage, many restrict it by vehicle type and charge a premium. You can relax because this coverage comes standard in your Allstate Business Auto policy.

Download Our Agent Discussion Guide.

As business owners themselves, Allstate agents have a unique understanding of the needs and questions you may have when selecting an insurance plan. To help you prepare for that conversation, we've complied a helpful guide to discussing your coverage with an agent.

Get started now


Man and woman small business agent

Have Questions About Your Business Coverage Options?

An Allstate certified business insurance agent will help you find the services that meet you and your business' needs.

Find a certified agent

*Optional coverage

This is a brief description of business insurance products; this is not a contract. Read your policy for full details about the coverages. To learn more, please contact your Allstate Agent. Coverages are subject to state availability and qualifications. Other terms, conditions and exclusions may apply. Business Owners Policy is issued by Allstate Insurance Company: Northbrook, IL; Allstate New Jersey Insurance Company: Bridgewater, NJ.

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