Photographers turn photos into works of art that we will treasure for many years. There’s more to photography than just snapping some photos. Photographers should have comprehensive insurance to protect their equipment, which usually includes expensive cameras. Photographers also require liability coverage for injury or accident, as well professional liability Photographers insurance to protect against negligence and faulty advice.
Photographers with employees may also need workers’ compensation coverage or additional photography insurance limits. How do you determine which type of photography insurance is most important? How do you choose where to buy this critical coverage?
Here are comparing top photography insurance companies based on their policies, customer reviews, company reputation, and many other factors. Here are some top recommendations for photography insurance companies to help you protect your business from financial loss.
What does photography insurance cover?
Although there are many types of photography insurance options, the most common types of coverage include equipment insurance and commercial auto insurance. Property insurance, professional liability, and general liability. This coverage protects against theft, fire, and other accidents to third parties. Photography insurance can be purchased to protect your studio and its contents in case of total loss.
What type of insurance do photographers need?
Photographers might have different insurance requirements depending on the nature of their business. These are the most common types of coverage:
- General Liability: This type of insurance covers legal actions that may arise from injuries or accidents.
- Equipment Insurance: Equipment insurance provides protection for lenses, cameras, computers, and other gear that photographers use in the course of their business.
- Commercial auto insurance: You will need commercial auto coverage if you use your car for business purposes such as driving to and from a photoshoot.
- Business property insurance: Photography insurance should also include your studio if any.
Some companies may require you to purchase workers’ compensation coverage. Some photographers may also need drone insurance or special coverage for high-value equipment.
How much does photography insurance cost?
Although the cost of photography insurance can vary, you might be able to buy coverage for just $59. This basic coverage does not include protection for your equipment and may only cover general liability.
You should expect to pay significantly more if you need comprehensive photography insurance. This includes camera equipment insurance, liability insurance, coverage for your studio, and commercial auto insurance.
How to choose the best photography insurance, providers?
We compared 7 insurance companies offering photography insurance. We evaluated each company based on its coverage, reputation, third-party rankings, and customer reviews. We searched for companies that made it easy to obtain a quote online and those that offered strong customer service.
The Best Photography Insurance
Progressive is a long-standing company that has been around since 1937, despite some of the newer companies in the photography insurance industry. Progressive allows you to work directly with an agent to tailor your photography business insurance. However, you can also request a quote online. Progressive is a full-service insurance company that has a history of fulfilling its obligations. It also holds an AM Best A+ rating for financial strength.
Although Progressive is best known for its auto and homeowners insurance products, this highly rated insurance company also offers a wide range of commercial and business coverage options. Progressive also offers a Progressive Advantage Business Program that helps businesses obtain the coverage they need for their equipment. We chose Progressive because of its excellent ratings and flexible coverage options.
You can tailor your own policy to include general liability coverage and commercial auto insurance. This protects you when driving for business purposes. You can also purchase workers’ compensation coverage if you own a studio that produces photography. A Business Owner’s Policy allows you to combine general liability coverage with commercial damage coverage for maximum protection. You can also tailor your coverage to your business and the types of events that you manage the most.
Progressive also offers similar coverage options and options for videographers. You can customize your coverage photography equipment insurance and events.
Progressive claims that the average Progressive Advantage Business Program customer in 2020 paid $46 for professional liability coverage and $86 for workers’ compensation coverage. General liability coverage cost averaged $53 per month and professional liability coverage averaged $46 per month.
- We have a long history of being a trusted insurance agency in the United States
- Online or with a Progressive agent, you can request a quote.
- Multiple coverage options are available
- They offer less flexibility with their policies (no one-day or shoot-based coverage)
- To receive a quote, you will need to give extensive personal and business information.
- There are many negative reviews about the Better Business Bureau (BBB).
Thimble is a unique provider and the best photography insurance company. You can purchase coverage for one job or per month if you wish. You can pay only for the coverage you need, and each period can be tailored to your job.
Thimble was established in 2016. However, their business insurance policies were underwritten by third-party insurance agencies who have been in operation for many decades and have received good reviews. Markel Insurance Company and Global Aerospace, Inc. underwrite policies. Both have an AM Best rating of A or higher. 2 3 We chose Thimble because of the flexibility of their photography insurance plans and, specifically, the fact that you don’t need to pay for a whole year (or even a month) of coverage at once.
Thimble is different because you can only purchase the coverage that you need when you need it. You can buy a monthly policy or buy the best insurance for photographers.
You can add additional insureds to any of their policies for no additional fees. There are also no deposits or fees. You also get unlimited Certificates and waivers of subrogation at no additional cost. Thimble insurance can be customized to cover bodily injury, third-party property damage, medical costs, defense costs, errors, and omissions (E&O). Online quotes are free and you can find coverage up to $1,000,000.
- You can purchase coverage by the month or for the job
- You can cancel or pause your coverage at any moment
- Every policy includes comprehensive protections
- Mobile app highly rated
- A newer company, founded only in 2016.
- Commercial property is not covered
- There is no way to meet with an agent of insurance in person
BiBERK was chosen because of the ease with which their customers could choose their policy inclusions according to their needs. Although biBERK may not be a household name, it is a Berkshire Hathaway Company.
Berkshire Hathaway Insurance Group’s Berkshire Hathaway Insurance Group has biBERK as a part. This is a trusted player in the insurance business. Berkshire Hathaway was founded in 1839 by Oliver Chace, a textile entrepreneur. The company is part of Warren Buffett’s Berkshire Hathaway Insurance Group. This company offers policy customization and can create the coverage you want.
BiBERK allows you to buy insurance directly and can promise rates up to 20% lower than other companies. You can also customize your policy to provide the coverage you require.
There are several types of insurance that can be purchased for photographers’ businesses, including workers’ compensation, professional liability (E&O), general and property liability, as well as umbrella insurance coverage. Cyber insurance. BiBERK allows you to get a free quote online or over the phone. You can also file a claim online and make updates.
- You can create a policy that offers the coverage you need
- Warren Buffett’s Berkshire Hathaway Insurance Group
- Easy quotes are available online
- It is not possible to meet with an agent to create your quote.
- There is no way to buy coverage for individual jobs
4. Hill & Usher
Hill & Usher provides photography insurance specifically for videographers, web designers and graphic designers. Their policies cover studio contents, liability, camera equipment, and many other things.
Hill & Usher, a full-service agency, offers a photography insurance plan called Package Choice. Hill & Usher’s policies are underwritten by different insurance companies depending on where you reside. These could include The Hartford and CNA Travelers, Zurich, Firemen’s Fund, or Zurich. You should also be aware that you can’t create a quote online. To find out the cost of a policy with the coverage you want and the limits you will need, you must speak to an agent.
We chose Hill & Usher Package Choice because they provide specific coverage options for photographers who have their own studios. This adds to the coverage. You can also purchase the best liability insurance for photographers’ coverage for cameras, professional camera gear insurance, protection against computers and portable electronics, insurance for business income, and general liability.
You can also customize your coverage by adding worldwide best camera insurance or certificates of insurance for landlords and venues. Identity theft protection can be added to your policy. This could prove helpful in the event that a hacker obtains your personal information, such as your Social Security number.
- Studio owners can get package choice insurance specifically designed for them
- Online, you can get a free quote
- You get comprehensive coverage
- Third-party insurers underwrite policies
- There is no option to buy coverage for specific jobs
5. The Hartford
The Hartford is an excellent insurance company that you should consider, regardless of whether or not you have employees. However, they are a reliable and trustworthy company. We chose them because they offer comprehensive coverage for employees at photography studios who might be injured on the job.
The Hartford was founded in 1810. It offers a variety of insurance products for your home and auto. AM Best also gives them an A+ rating, which indicates their ability to pay claims. The Hartford also offers strong coverage options for employees, which can be important for studios that have multiple photographers.
The Hartford is a great option for photographers regardless of whether they work alone or in a group. However, their outstanding coverage options for employees made them stand out in our rankings. These include professional liability and worker’s compensation. Online quotes are available for free, and you can also speak with an agent by phone or in person to tailor your coverage.
The Hartford offers employee coverage, as well as additional insurance options such a BOP, general insurance, and business property insurance. They also offer coverage for income interruptions, business income insurance, insurance for business income, and insurance for business interruptions. If you own photography business, you can purchase specific coverage.
- There are many coverage options, including workers’ compensation and professional liability.
- A long-standing insurance company that is known for its financial strength and quality.
- Online quotes are available or you can speak directly to an agent.
- There is no way to buy coverage for individual jobs
- Customer reviews with the BBB are not stellar
6. BWI Fly
A specialized insurance policy may be required if you are a drone photographer. It will protect commercial drone use. BWI Fly provides coverage up to $25,000,000 for liability and physical property.
BWI Fly was established in 1977 to expand insurance options for the aviation industry. They offer drone commercial policies that are underwritten and endorsed by highly-rated insurance providers like U.S.A.I.G. and Global Aerospace. You can request a free online quote, but you will need to talk to an agent to discuss the details of your coverage and cost. BWI Fly was chosen for their outstanding coverage for drones. Drones present unique insurance challenges.
BWI Fly provides photography insurance specifically designed for drones. This is popular for weddings as well as surveillance and movie production. You can purchase liability coverage on an annual basis. However, hourly and pay-as-you-go drone plans offer increased liability coverage ($500,000 to $25,000,000), optional physical damage coverage, and coverage for advertising liability. You also have legal defense coverage in the event that you are sued for the commercial use of your drone.
- Get drone insurance that is specialized for you
- Your policy can be tailored to meet your specific needs
- Coverage limits as high as $25,000,000
- You cannot get a quote without talking to an agent
- Only drones. Does not include other equipment.
7. Full Frame Insurance
Full Frame Insurance provides coverage for videographers and photographers starting at $59 per event, or $129 per annum. You get instant coverage and no deductible for liability claims.
Insurance Canopy manages the company. Many policies are underwritten and managed by Partner Veracity Insurance Solutions, LLC. Full frame insurance does not offer in-depth quotes and the ability to customize your coverage to suit your needs using many add-ons. They offer basic policies for videographers and photographers, starting at $59 per event and a minimum of $129 per annum. They were affordable and we chose them to rank. However, you only get minimal coverage in return.
Full Frame Insurance is a good option if you are on a tight budget and only need minimal insurance coverage for specific events or the entire year. The event policies start at $59 and last up to three days. They also cover general liability, personal and advertising injuries, but not coverage for equipment or product liability. Their annual coverage, however, covers general liability and product liability. You can also add coverage for equipment or supplies. Annual policies are customizable and start at $129/year.
Gear and insurance camera equipment coverage can be as high as $15,000 per item, and $75,000 over the life of the policy. The policy can provide liability coverage up to $1,000,000 per claim, and up to $2,000,000 per policy term. Professional liability coverage can cost up to $100,000 per claim and $200,000 per policy term.
- Affordable insurance coverage available for your job and for the whole year
- You can tailor your coverage to meet your specific needs
- Access to policy documents 24/7
- It is not available in Iowa Massachusetts Rhode Island Rhode Island and Vermont
- There are limited coverage options available
- A newer company with very few reviews.
Last Line – Photography Insurance Providers
Photography insurance is essential if your business includes liability coverage, equipment protection, loss of income, and protection for your studio. You will also need protection to limit your liability if your employees are hurt or you are sued due to your negligence.
It doesn’t matter what, it is important to compare the top photography insurance companies. This will allow you to determine which policies are most appropriate for your equipment and business. Although Progressive was our top choice for photography insurance, we found that other providers may be better depending on what you need.