Photographer insurance protects you from the most common risks that can derail your business, including:
- Accidents at Shoots – coverage if a client trips over your lighting setup or you accidentally damage a venue’s property.
- Service Mistakes – protection if a client claims you missed key shots, lost images, or delivered unsatisfactory work.
- Theft or Equipment Damage – replacement costs for cameras, lenses, drones, or lighting gear stolen or damaged on-site or in transit.
- Cyber Threats – coverage for data breaches, ransomware, or accidental leaks of client photos and personal information.
- Vehicle Incidents – if you transport gear or travel to shoots, commercial auto insurance helps cover accidents and equipment damaged in your vehicle.
- Employee Injuries – workers’ compensation coverage for assistants or second shooters injured on the job (required in most states).
