Business insurance for photographers

By Allstate

Last updated: January 2024

A business insurance policy may be customized to help cover a photography business. Common coverages in a business owners policy (BOP), combined with optional specialized coverages, may help protect a photographer’s income, assets, and gear, such as cameras, lenses, and computers, as well as the images they capture.

As an independent photographer, you're a trusted professional at key customer events. Whether you're photographing a family wedding or working as a freelancer for a media outlet, your clients rely on you to document important occasions and safeguard often-irreplaceable images. An important part of protecting your clients' photos — as well as your company's assets and reputation — is choosing the right business insurance.

A tailored combination of insurance coverages may help protect your photography business from unforeseen events like theft, an accident, or a fire. Here are some key policies to consider:

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What insurance coverages are available to photographers?

A business insurance policy typically includes three types of coverage: business property coverage, general liability coverage and business interruption coverage.

Business property coverage:
Business property coverage: You've invested heavily in specialized cameras, computers and editing equipment.. If any of these key assets were damaged or stolen, your business could suffer. Business property coverage helps pay to replace or repair your technical equipment and studio furnishings like desks, tables, and file cabinets if they're damaged or destroyed by a covered events like vandalism, fire, orwindstorms — read your policy to see which specific perils your insurance covers. Business property coverage may also help pay to repair damage to the studio building or office's physical structure, up to the coverage limits stated in your policy.

General liability coverage:
In the unpredictable world of photography, accidents happen. If your equipment causes injury or damages property during a shoot, general liability coverage steps in. It covers medical costs, legal fees, and potential property damage claims, shielding your business from unforeseen liabilities. This protects both your clients and your business. For example:

  • If a piece of your lighting equipment fell and injured someone, this coverage may help pay for their medical costs and your legal expenses, if you're sued.
  • If your camera and tripod toppled against an expensive stained-glass window during a wedding, liability coverage may also help pay to repair or replace the claimant's window

The maximum amount your insurance company will pay for property damage, another person's medical expenses or your legal fees depends on the coverage limits you select when you purchase coverage.

Business interruption coverage:
Imagine a fire destroying your studio- could your business recover?? Business interruption coverage helps replace your lost business income after you suffer a major covered loss, such as damage from a fire.