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Though buying photography insurance might not be as exciting as buying a new camera or a new lens, it’s nonetheless a critical component of building a successful photography business.

 Lost or damaged gear, a break-in at your studio, fires and floods, or lawsuits from clients can easily derail your business for the short-term, if not for the long-term. The financial consequences could prove to be disastrous, so much so that your doors remain permanently closed.

But with the right photography insurance coverage, you can account for unexpected events and calamities, and often do so quickly and easily online.

And, if you work with one of our picks for the best photography insurance companies, you can find coverage at a price you can afford!

Table of Contents

• Full Frame Insurance
• Package Choice Insurance
• Athos Insurance Services
• Next Insurance
• National Photographer’s Insurance

Best Photography Insurance Companies: Full Frame Insurance

What people love about Full Frame Insurance is that they offer flexible options to meet your specific photography insurance needs.

Let’s say you just need short-term insurance to cover your first event or photoshoot. In that case, Full Frame Insurance has you covered with short-term general liability insurance that gives you one to three days of consecutive coverage, starting at just $59.

That’s a small price to pay to have photography insurance while you get your first gig under your belt!

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But if you’re a seasoned pro with more robust insurance needs, Full Frame Insurance offers annual policies as well. These annual policies are ideal for photographers that need general liability coverage alongside their product liability coverage.

Either way, you can configure the short-term or annual coverage you need to match your specific situation. You can also add equipment insurance if needed, that way your expensive photography gear is covered too—it doesn’t matter if you’re at home, abroad, or in transit.

No matter what kind of coverage you select, Full Frame offers  an instant online quote with an option to purchase right there and then. You get instant coverage that is not location-specific, 24/7 access to policy documents, a downloadable certificate of insurance, and no deductible on liability claims.

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Full Frame Insurance understands the kinds of exposures that exist for small business owners, which is why they offer protection from third-party liability claims like property damage or bodily injury. Their policies may also help address third-party medical claims or legal fees that arise from covered claims.

Full Frame  also offers specialized wedding photography insurance. With this policy, you can address the potential for liability as you photograph hundreds of people in multiple locations over the course of a demanding day.

Of course, affordability is a concern, and Full Frame Insurance understands that. As a result, their policy has customizable options  that ensure you don’t overpay for the coverage you need. It’s that kind of dedication to the customer that got Full Frame Insurance on our list of the Best Photography Companies of 2019 & 2020!

Learn more about Full Frame Insurance

Best Photography Insurance Companies: Package Choice Insurance 

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If you’re looking for comprehensive coverage for your photography business, Package Choice Insurance is definitely worth a look.

For starters, they offer a camera insurance policy that covers your gear whether it’s in your possession, on location, or in transit from Point A to Point B. For photographers that are constantly on the road, that’s the kind of peace of mind you want!

Furthermore, their camera insurance policy protects your gear wherever it might be damaged in the United States or Canada. The policy also covers theft and lost gear, and international coverage can be added to protect you when you’re abroad.

This coverage is paid at replacement cost as well. That means that gear that’s stolen or damaged is replaced at today’s value, not what you paid for it two or three years ago. Likewise, Package Choice usually includes a modest limit of rented equipment insurance so you don’t have to pay the full price to rent the gear you need while yours is being replaced.

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If your gear is damaged and ends up in the repair shop for weeks on end, Package Choice will often reimburse you for the cost of renting substitute gear. This is typically an automatic inclusion in the policy, but it’s important to consult with a Package Choice insurance expert to get the specifics.

You can also get Errors & Omissions insurance, which is specifically designed to protect you in the event you’re sued by a client. Whether you or one of your employees is accused of wrongdoing or negligence, this policy will cover your legal fees and pay damages to the plaintiff should they be awarded a monetary sum.

The other benefit of getting your insurance from Package Choice is the price.

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The folks at Package Choice understand that starting and maintaining a successful business takes a lot of hard work, dedication, and money, so their policies are designed to be affordable. Heck, they even have multiple payment plans available to help you meet your insurance needs without breaking the bank.

Package Choice has underwriting from insurance companies like CNA, Travelers Insurance, and The Hartford, so there is a vast breadth and depth of experience, knowledge, and stability on which you can rely. All you have to do to get started is to fill out a short online application, and you’ll get a free, no-obligation quote soon thereafter! 

With policies for computers and electronic devices, business personal property, general liability, and various other coverages, Package Choice has all your bases covered so you can concentrate on growing your business without worry of what will happen if disaster strikes.

Learn more about Package Choice Photography Insurance

Best Photography Insurance Companies: Athos Insurance Services 

Athos Insurance Services makes our list of the best photography insurance companies of 2019/2020 due in large part to the wide range of coverages they offer.

Regarding your gear, you can get coverage for all sorts of maladies, from flood and fire damage to water and smoke damage to wind, hail, and lightning damage. Natural disasters, acts of terrorism, falling objects, theft, and accidental damages are also covered!

What’s more, Athos Insurance Services will cover your gear for damage during transit or shipping, and they offer an Inland Marine (equipment floater) policy too! All of this coverage is worldwide in scope, so no matter if you’re at home, across town, or around the globe, your gear is protected.

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Add to that policies for short-term rented equipment, annual production equipment, and annual photography equipment, and you have coverage for all sorts of gear-related scenarios you might encounter. 

And getting all these coverages is easy, too. Just hop online, fill out a form, and get a fast online quote in a snap. You can even purchase your coverage online and customize it to your needs 24 hours a day, seven days a week.

Perhaps best of all, Athos Insurance Services has five-star customer service, which is a big deal when you’re shopping for insurance.

Instead of feeling like just one of many clients, Athos Insurance Services ensures that you feel like you’re their top priority. If you have questions or concerns, they’ll work hard to ensure that you have all the details you need to make an informed decision that’s right for your particular needs.

Learn more about Athos Insurance Services

Best Photography Insurance Companies: Next Insurance

 

One of the primary reasons why Next Insurance makes this list is because they have made it so simple for photographers to get the coverage they need.

Not only can you get the policy you want online, but you can also get live certificates of insurance and file claims on your schedule online 24/7. Talk about convenient!

Next Insurance has also made sure that their plans are affordable for any photographer. Their plans start at just $21 per month, which is a small price to pay for complete peace of mind.

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The plans offered by Next Insurance include general liability insurance with at least $500,000 occurrence limits and $500,000 aggregate limits - with a $0 deductible. Other plans increase those limits to as much as $1,000,000 per occurrence and $2,000,000 aggregate, again, with a $0 deductible. 

General liability insurance from Next Insurance is vital because it protects you in case a client suffers an injury that’s your fault or you accidentally damage a client’s property. You already have enough to worry about - you don't need to worry about being sued too!

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You can also get coverage against advertising claims. For example, if you have permission from a client to use their photos as part of your marketing, but they don’t like the photo you selected to use and they sue you, you’re covered!  

Soon, Next Insurance will also have photography equipment protection as well.

Easy-to-get coverage, great prices, and the policies you need...what more could you want?! 

Learn more about Next Insurance

Best Photography Insurance Companies: National Photographer’s Insurance

 

Yet another excellent choice for your photography insurance needs is National Photographer’s Insurance.

As you might surmise from their name, National Photographer’s Insurance specializes in meeting the insurance needs of photographers. That means they have the industry know-how that helps them understand exactly what the best policies and coverages are for photographers like you.

As a result, they have one of the most comprehensive collections of policies around…

That includes general liability coverage that offers protection from lawsuits, like a client that’s injured in your studio. Likewise, you can get business personal property coverage that protects you in the event that there’s a break-in at your office and someone absconds with your photography gear.

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You can add a policy for equipment coverage to protect against loss from damaged gear as well as a professional liability policy that covers any professional errors, omissions, or neglect on your part.

There’s even business income and extra expense coverage to help you get through up to 12 months of lost income as a result of flooding, fire, or another covered loss that forces you to close up shop for an extended period of time.

With more than 80 years in the business, National Photographer’s Insurance knows what you need, which is why they have such comprehensive coverage offerings. Their proven track record of excellent customer service and professionalism make them an excellent choice for your photography insurance needs. 

Learn more about National Photographer's Insurance

 

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