Photography Insurance in Texas & Colorado
Photography Insurance Especially Made for Your Business
We’re here to help make sure you have insurance coverage that’s tailored to your photography business’s unique needs.
Why Is Photography Insurance Important?
Photographers rely on expensive equipment to get the best shots for their clients. Having the right business insurance will protect you, your business, equipment and staff.
Who Needs Photography Insurance?
- Photography studios
- Passport photographers
- Portrait photographers
- School photographers
- Wedding photographers
- Event photographers
- Nature photographers
- Sports photographers
- Freelance photographers
What Is the Best Insurance for Photographers?
Most photographers have a Business Owner’s Policy (BOP). A BOP combines three types of coverages that are important for small businesses. This can help your company save money on insurance rates while helping protect your photography business.
General liability insurance (GLI) helps protect your business from claims of bodily injury and property damage. This coverage can help if a wedding guest trips over one of your flash stands and hurts themselves, or if you accidentally damage a client’s home while taking family portraits.
Business property insurance helps cover your costs if your owned or rented place of business and photography equipment gets damaged or destroyed. This coverage can help protect your:
- Memory cards
- Computers and external hard drives
- Lighting Equipment
- Stands and backdrops
- Client Closet Wardrobe
Business interruption insurance replaces some of your photography company’s lost income if you can’t open because of covered property damage, such as a fire or wind damage.
What Coverages Do Photographers Need?
Some common coverages you may want to include in your photography insurance policy include:
- General liability insurance
- Business property insurance
- Workers’ compensation
- Professional liability insurance
- Business income insurance
- Home-based business insurance
Covering Your Photography Team
We know how important your team is in helping you run your photography business. They can help coordinate clients, assist you at events or serve as an additional photographer when needed. That’s why it’s important to make sure they’re protected.
Professional liability can help cover your legal costs, judgments or settlements if a client sues you for making a mistake in the services your business provides.
Workers’ compensation insurance gives your employees benefits if they sustain a work-related injury or illness. It can help pay for their medical bills and ongoing care costs.
Covering Your Photography Operations
We know photography business owners face unique risks and challenges. From damaged equipment to clients getting hurt in your studio, it’s essential that you protect your business from different risks with photography business insurance.
Business Income Off Premises coverage can help if your equipment gets damaged while you’re away from your business’ property. If you can’t finish a job because of broken equipment, this coverage can help cover your lost income.
General liability coverage can help with your clients’ treatment costs if they get hurt in your studio.
Covering Your Photography Property
We understand your expensive equipment is an essential part to running a successful photography business. If any of it gets damaged or lost, it can prevent you from finishing a job or capturing special moments for your clients. With the right photography insurance coverage, you can have peace of mind knowing your equipment has protection.
Scheduled Camera Equipment Coverage applies to lost or damaged camera equipment on your policy. Coverage applies wherever you are and whether the camera is in transit.
Inland Marine Coverage is used to provide protection for assets and property that is movable or could be in transit as well as property owned by others that is in the possession of the policyholder or on the policyholder’s premises.
Drone Coverage is typically available as an endorsement to a BOP. Typical coverages for photography drones are drone liability coverage, which includes bodily injury and property damage, and drone property coverage ,which insures loss or damage to an unmanned aircraft during transportation and preparation. To be eligible for coverage, drone use must be in compliance with FAA regulations and requirements.
Photography Insurance You Can Count On
Your clients rely on you and your photography business to capture their special moments or big days. It’s essential you work with an insurance company you can count on in case something happens to you, your team, equipment or business.
Call us today at 512-331-0787
or fill out a free online quote