Photographer Insurance

Whether you shoot weddings, commercial work, portraits, or events, your photography business faces unique risks — from damaged or stolen equipment to missed event claims to client injury at shoots. The right coverage protects your gear and your livelihood.

Essential Photographer Coverages

Equipment / Inland Marine

Covers your cameras, lenses, lighting, drones, computers, and editing equipment against theft, damage, and loss — in your studio, on location, and in transit. This is often your most valuable coverage.

Professional Liability (E&O)

Covers claims that your professional services caused financial harm — missed shots at a wedding, late delivery, editing disputes, or failure to deliver contracted work.

General Liability

Covers injuries to clients or bystanders during shoots, property damage at venues, and studio visitor injuries.

Business Owner's Policy (BOP)

Bundles GL and property for your studio space, equipment, and business income.

Common Photographer Claims

Camera equipment stolen from vehicle or on location
Corrupted memory card loses entire wedding shoot
Tripod falls and injures guest at event
Client claims you failed to deliver contracted images
Drone crashes and causes property damage or injury
Venue requires proof of insurance to shoot on premises

How Much Does Photographer Insurance Cost?

Most photographers pay $300–$1,500/year for a GL + equipment package. Adding professional liability brings the total to $500–$2,500/year depending on revenue, equipment value, and services offered.