Photographer Insurance

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Why Photographers Need Photography Insurance

Photographers and videographers use complicated and expensive equipment to capture special moments. This can expose their business to some unique and specific risks. For example, you could be recording video at a wedding where you and your assistants must navigate a crowded room. This puts your business equipment at risk of being damaged. Your photography business has to deal with unique risks, in addition to typical issues most businesses deal with, including:
  • Property damage to your studio
  • Loss of critical documents and records
  • Damage to your videography or photography gear
Photography insurance, or business insurance, can help protect your photography equipment. Learn about typical business insurance coverages photographers and videographers purchase from The Hartford.

Business Owner’s Policy for Photographers

Most photographers and videographers have a Business Owner’s Policy (BOP). Why? Because it may act as general liability and property insurance. It may help protect your studio in much the same way a homeowners insurance policy helps to protect someone’s home and personal belongings.
A BOP combines three types of insurance coverages that are important to almost every small business. This can help your company save money on insurance rates, while helping protect your business.
  1. General Liability. This helps protect your business from lawsuits that result from injuries or property damage. You can think of this as photographer liability insurance. For example, a customer gets injured after they trip in your studio. Or an employee causes damage to a customer’s property during a photo shoot on their premises. It even helps cover certain claims of slander and libel. This coverage does not protect your business from liabilities arising from your professional services.
  2. Commercial Property. This coverage helps protect your business property – whether it’s owned or leased. This can help protect the photography studio where you do business. You can also think of this coverage as camera equipment insurance or photography equipment insurance. Commercial property insurance can protect your business's cameras, lights, and computers.
  3. Business Income. This Helps cover lost income when you can’t run your video or photography business because of covered property damage.
If you run your photography or videography business out of your home, you may want to consider a BOP. That’s because your homeowners insurance may not have adequate coverage for your business.

Add Optional Photographer Insurance Coverages to a Business Owner’s Policy

Data Breach Insurance

Photography and videography businesses often store employee and customer information. This includes names and debit or credit card numbers.
Sometimes personal information gets stolen or lost. Data breach coverage can help cover the costs of complying with state regulations. This includes the costs of:
  • Notifying affected customers
  • Public relations
  • Good faith advertising

Professional Liability Insurance

The commercial general liability coverage in a BOP doesn't cover professional liabilities. If a customer sues you because they believe you made a mistake in the services provided, your BOP won't help.
Professional liability insurance – also known as errors and omissions insurance – can help cover the costs of these types of claims. For example, half of the wedding photos you're editing get damaged. The files aren't recoverable. As a result, your customer files a claim. This coverage can help cover you pay the costs and fees to resolve the incident.

Employment Practices Liability Insurance

Current or former employees can file employment-related lawsuits against video or photography studios. Businesses can get sued for:
  • Claims of wrongful discipline or termination
  • Wrongful failure to promote
  • Discrimination
  • Harassment
For example, say a former employee claims his termination was discriminatory. Employment practices liability insurance can help cover the costs related to the claim.

Employee Benefits Liability

Employee benefits liability insurance helps cover the costs of employee benefits claims. For example, an employee claims your company made a mistake while enrolling him in your benefits plan. This coverage can help cover your business’ costs related to the claim.

Business Income Extension for Cloud Service Interruption

Your video or photography business uses a cloud service. The service goes down and you can't store or transfer files. Business Income Insurance Extension for Cloud Service Interruption may help replace some of the lost income you experience because of the cloud interruption.

Bundle Videographer and Photographer Insurance Coverage

Stretch Your Dollar

It’s easy to increase your BOP protection at an affordable price with The Hartford’s Stretch® endorsements. These endorsements offer a cost-effective solution by bundling valuable insurance coverages. For a photography or videography business, we offer:
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Business Services
  • International Stretch
Contact an agent or a representative from The Hartford about these endorsements. We can help take the guesswork out of selecting the right insurance coverage.

Other Important Videographer and Photographer Insurance Options

If you have employees, use a car for work, or work from home, your photography and video studio business may also benefit from:

Workers’ Compensation Insurance

Workers’ compensation insurance is a requirement for most states. It provides benefits to employees for work-related injuries or illnesses. These benefits include helping an employee pay for medical care, partial wages from lost work time, and more.
And if a worker’s family should sue you, workers’ compensation insurance coverage can help you pay related legal fees. Businesses have been turning to The Hartford for workers’ compensation insurance coverage for more than a century.

Commercial Auto Insurance

Do you use your car to pick up supplies for your studio? To transport equipment to a photo shoot? To visit clients for consultations? Or more?
Commercial auto insurance provides coverage usually not included in a personal auto policy. It can help cover you or an employee when an owned vehicle used for your photography or videography business is involved in an accident.

Home-Based Business Solutions

Ask yourself these questions:
  • Do I shoot or edit photography or videography for work at my home?
  • Do I receive packages or mail for my business at my house?
  • Do I have employees at my home?
  • Do I have customers coming to my home?
If so, your agent or a representative from The Hartford can help you select the right home-based business insurance to protect your photography and video business. You can also get an insurance quote today to figure out which coverages you need for your business.
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.