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Do I Need Photographer Insurance?

Starting a photography business is a new and exciting venture. However, running a business isn’t easy and there’s a lot of work to do. From marketing your business to branding your materials, you have a lot going on during the initial phases and are likely booking clients in the process.

One thing that may cross your mind during the start-up phase is photography insurance and whether or not you need it for your business. It’s a great asset to protect your business from potential third-party liability claims. To learn more about the benefits of photographer insurance, keep reading.

Photographer Insurance May Help With Lawsuits

According to the American Bar Association (ABA), an attorney can charge anywhere between $343–$727 per hour. Photographer liability insurance can protect your business from the financial hiccup and may cover you from attorney fees for covered claims. As a professional photographer, you interact with people during every session and work hard to make sure every shoot goes smoothly. Unfortunately, one incident could lead to legal action against you and you will need the proper protection.

Here are some litigation costs you could be required to pay out of pocket:
  • Court filing and processing fees
  • Litigation expenses
  • Damages to the plaintiff
  • Hiring experts in the industry
  • If out of state, travel expenses for yourself and legal team

With a costly legal battle and a mountain of bills with your name on them, the costs of a lawsuit could potentially shut down your business operations for good. With the help of photographer insurance, you may be able to offset the legal costs and focus on your business. Don’t get caught in a bind without coverage.

Photographer Insurance May Help With Medical Bills

We hope every photography session goes well with your clients. However, our reality is that accidents can and do happen.

For example, you might ask your client to pose a certain way for a photo and they could trip over themselves resulting in them breaking their ankle on the scene. They’ll probably want you to pay for their medical bills because your direction caused the incident. Without photographer insurance, you could be paying the entire medical expense out of pocket.

No matter how careful you are, there is an ever-present risk of a client sustaining an injury and asking for financial compensation for their medical bills. If a client does sustain an injury, photographer insurance may give you and your client financial peace of mind.

Photographer Insurance Gives You Credibility

When you invest in your business, it pegs you as a true professional and gives your clients the impression that you are willing to invest your time in them. With photographer insurance coverage, you let people know that you are here to stay in the industry and aren’t going to close your doors after just a few weeks. Furthermore, photography liability insurance may help you market to new clients and give you a competitive edge.

Other reasons our customers purchase photographer insurance:
  • The venue required it
  • The client required it
  • The studio required it

Helpful Links

  1. Understanding Photography Liability Insurance
  2. Photography Insurance Guide: What You Should Know
  3. Don’t Ge Caught Without It: 4 Reasons You Need Camera Insurance

Photography Insurance starting at $59

EVENT POLICY

$59
  • 1–3 Days Policy Options
  • General Liability
    (Does not include product liability, property, or equipment insurance)
  • Personal and Advertising Injury
 

ANNUAL POLICY

$99
  • General Liability
  • Product Liability
  • Add Ons Available
    (Equipment Insurance)
 
 
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Now available in:

AK, AL, AZ, CA, CO, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MO, MS, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY

If you do not see your state listed, please check back. We are adding new states regularly and will soon cover all 50 states