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  • Coverage Details
 

Coverages & Pricing

As a professional photographer or videographer, you need to have photography business insurance to cover your investment. You can learn more about the coverage we offer for annual and event policyholders below. To learn more about exclusions, please click here.

*Not available in all states. Click here to see a list of states that are are eligible for coverage.

 

Annual Policy

For small photography or videography business owners, freelancers, or hobbyists who have multiple photography sessions throughout the year.

Annual Policy Limits of Liability

General Aggregate Limit (Other than Products – Completed Operations

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$ 2,000,000
Products - Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.

Included
Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement
$ 1,000,000
Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$ 1,000,000
Damage to Premises Rented to You Limit (Any One Premises)

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$ 300,000
Medical Expense Limit (Any One Person)

A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.

$ 5,000

Pricing

$0 - $100,000 in Annual Sales
$ 99
$101,000 - $200,000 in Annual Sales
$ 185
 

An individual can purchase one additional insured for $15, and $30 for an unlimited number of additional insured's under the annual policy.

Click to learn more or

Buy Online From $99
 

Event Policy

For the hobby or freelance photographer or videographer who needs short-term event liability coverage for 1-3 days.

Event Coverage Limits of Liability

General Aggregate Limit (Other than Products – Completed Operations)

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.

$ 2,000,000
Products - Completed Operations Aggregate Limit

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.

Excluded
Personal and Advertising Injury Limit

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful eviction or wrongful entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement
$ 1,000,000
Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.

$ 1,000,000
Damage to Premises Rented to You Limit (Any One Premises)

Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.

$ 300,000
Medical Expense Limit (Any One Person)

A general liability coverage that reimburses others, without regard to the insured's liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.

$ 5,000

Pricing (for consecutive days)

1-3 Days
$ 59
 
Unlimited additional insureds may be purchased for $5 under the event policy.

Please note that Products and Operations has been specifically excluded from our Event Insurance. If you need products coverage, or you are looking for a more comprehensive options, please consider purchasing our Annual Policy.

Click to learn more or

Buy Online From $59

**Please note that these are brief definitions of coverage and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.

 
 

Equipment Insurance

To add equipment insurance to your annual policy, review the limits and prices below to choose the policy which will provide the coverage you need should your equipment become stolen or damaged.

Pricing

$1,000 per item/ $5,000 aggregate
$ 55
$2,000 per item/ $20,000 aggregate
$ 130
$5,000 per item/$30,000 aggregate
$ 142
$10,000 per item/ $60,000 aggregate
$ 275
$15,000 per item/ $75,000 aggregate
$ 349
 
 

Benefits Snapshots

  • No Quote Process
  • 24/7 Access to Policy Documents
  • Proof of Coverage (printable)
  • Robust, Quality Coverage Scaled to Your Business
  • Convenient Online Purchasing
  • Instant Coverage
  • No Deductible on Liability Claims
  • Not Location Specific
  • Peace of Mind

Now available in:

AL, AZ, AK, 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, 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

EVENT POLICY

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

$99
  • General Liability
  • Product Liability
  • Add Ons Available
    (Equipment Insurance)
Purchase Today