Photography Business Insurance

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Why Photographers Need Photography Insurance

Photographers and videographers use complicated and expensive equipment to capture special moments in people’s lives, which can expose their businesses to some unique and specific risks. You could be working in a photography studio with heavy props or hot lighting equipment. Alternatively, you could be recording video at a wedding where you and your assistants must navigate among celebrating guests in a crowded room. Moreover, that’s in addition to the typical issues most businesses deal with like property damage to your studio or loss of critical documents and records. Learn about the insurance coverages photographers and videographers typically need, and most common business insurances purchased, from The Hartford.

Business Owner's Policy for Photographers

Most photographers and videographers have a Business Owner's Policy (BOP). Why? Because it helps protects your studio in much the same way a homeowner’s insurance policy helps to protect someone’s home and personal belongings.
By combining three basic insurance coverages that are important to almost every small business, including photographers and videographers, a Business Owner’s Policy can save your company money on insurance rates while safeguarding the photography and video services business that is your livelihood.
  1. General Liability – helps protect your photography and video studio from certain lawsuits that result from injuries or property damage occurring as the result of your business operations, like if a customer trips and is injured while visiting 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. Business Liability does not include liabilities directly arising out of the professional photography and video services you may provide.
  2. Commercial Property – helps protect the photography studio where you do business and the tools and equipment you use to conduct your photography business, like cameras, lights, props, backdrops, and computers – whether owned or leased.
  3. Business Income – helps cover the loss of income when you can’t run your video or photography business because of covered property damage at your studio.
Learn more about our Business Owner's Policy for your small photography business.

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

Data Breach Insurance

Photography and videography businesses often store employee and customer information including Social Security and debit/credit card numbers.
Data Breach Insurance Coverage helps pay the costs of notifying impacted individuals handling public relations, good faith advertising, and more if personal information is lost or stolen from your photography or videography business.

Employment Practices Liability Insurance

It’s possible for a video and photography studio’s current or former employees to sue for claims of wrongful discipline or termination, wrongful failure to promote, discrimination or harassment. For example, if a former employee of your photography or video studio claims he was terminated for discriminatory reasons, Employment Practices Liability Insurance may help cover the costs related to the claim.

Employee Benefits Liability

If an employee of your photography business or video studio claims that there was a mistake in how his benefits were administered, Employee Benefits Liability insurance may help cover the costs of the claim. For example, if an employee claims your company did not correctly enroll him in your benefits plan, Employee benefits liability from The Hartford may help cover the cost to your business associated with the claim.

Limited Care, Custody or Control Property Damage Coverage

If you are working outside of your place of business and a customer’s property is damaged while in your care, custody or control, Limited Care, Custody or Control Property coverage may help cover the costs related to the damage claim. For example, if you are having a meeting with a client at their kitchen table and you accidentally damage that table, this coverage may help cover the costs your photography & video business incurs due to the damage claim.

Business Income Extension for Cloud Service Interruption

Business Income Insurance Extension for Cloud Service Interruption may help replace business income your photography and video studio loses if there is an interruption in your cloud service. For example, if your photo and video studio rely on cloud services to store and transfer media files and that cloud service goes down, you may be temporarily unable to do business. This coverage from The Hartford may help replace lost business income caused by a cloud service interruption.

Bundle Insurance Coverage for Photography and Video Studios

Stretch Your Dollar

It’s easy to increase your Business Owner’s Policy protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key insurance coverages. For photography or videography businesses we offer:
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Business Services
  • International Stretch
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right small business insurance coverage for your photography business or videography business.

Other Important Insurance Options for Photography & Video Studios

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

Required by most states, workers’ compensation insurance provides benefits to employees of your photography business for work-related injuries or illnesses. These benefits include medical care, wages from lost work time, and more.
And if a worker’s family should sue you, workers’ compensation insurance coverage can help you with related legal fees. Businesses, including photography studios and videography studios, 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, transport equipment to a photo shoot, visit clients for consultations, or more?
A Business Auto Policy provides Commercial Auto Insurance coverage usually not included in a personal auto insurance policy. It can help cover you – or an employee – when an owned vehicle, used for your photography or videography business’s purposes, is involved in an accident.

Home-Based Business Solutions

If you run your photography or videography business out of your home, you probably want a Business Owner’s Policy (BOP). A Business Owner’s Policy provides coverage not usually available with a homeowner’s insurance policy.
Ask yourself, “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, or customers coming to my home? If so, your agent or a representative from The Hartford can help you select the right coverage to protect your photography and video 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.