![]() However, insurance is never going to cover everything. Insurance coverage will help most photographers in most of the situations they might encounter. Professional Liability Insurance: Often called “errors and omissions” insurance, this protects you from potential liability you incur with the delivery of your work performance.Business Owner’s Policy: Combines both general liability and property coverage in a more affordable package.Typically this isn’t needed unless you have a larger business with a lot of equipment and are completing high-risk jobs. Property Insurance: This is a more comprehensive coverage option to protect your important equipment. ![]() General Liability Insurance: This is a generic coverage that can include several things, depending on your policy, such as client injuries or some property damage.Here are the typical types of coverage that can be included in the term “photography insurance,” but the type you need varies by the size of your business: ![]() Using a BOP is typically more affordable for businesses that don’t have a lot of potential liability, including freelancers or hobbyist photographers. After looking at 18 of the best insurance companies we’ve selected the top five below.Īs a photographer, you can choose to get insurance coverage in two ways, either choosing à la carte the exact coverage you need, or you can choose to get a business owner's policy (BOP) that covers most small business needs. The best insurance companies for photographers offer affordable rates with more than enough coverage, in both amount and types, to cover anything you may be working on. Having the right insurance coverage can give you peace of mind and protect you in the event that something goes wrong. ![]() While the normal costs of breach of contract are the costs it takes your client to be made whole, which is typically not more than what you were paid, a misappropriation claim could be thousands of dollars. Depending on what type of photography your business does, you could also be on the hook for misappropriation of the images you take. Potential liability for photographers typically falls under the categories of breach of contract or misrepresentation. Whether you have a large photography business or are just a hobbyist taking jobs every once in a while, every photographer needs at least some insurance coverage. Photographers and videographers typically need to find insurance coverage to protect them against the potential costs of both lawsuits from their performance and damage to their equipment. ![]()
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