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What is photographer insurance?

As a photographer, your gear and your business are your lifelines. But have you ever thought about what would happen if your camera got damaged, your equipment was stolen, or you faced a liability issue during a shoot? Perhaps your camera goes tumbling down, or maybe a client is just too unhappy with your work and threatens to sue. That's where photography insurance comes in. It's designed with you, the photographer, whether you are freelancing, running a small studio, or shooting at big events. It covers you for everything from damaged equipment to legal fees so that you won't be left high and dry when disaster strikes.

What photography insurance covers

Photography insurance isn't a single thing; it is a combination of many types of coverages combined to protect you. Let's take a deeper look at what is normally included:

Recommended add-ons for photography insurance coverage

Depending on your business, there are a few add-ons you may want to consider:

Common types of photography insurance claims

Photographers can deal with a variety of different claims, here are some most common ones:

How much does photography insurance cost?

There is no one-size-fits-all answer here, but most photographers spend anywhere between $500 and $1,500 per year on insurance. An exact number, of course, depends on a bunch of things: how much coverage you need, where you are located, how much gear you have, and how much you have claimed in the past. It can seem like a lot, but when you consider how much you have invested in your equipment and in your business, it's really a smart move.

How to get the cheapest photography insurance quotes

If you're looking to get the best rate on your photography insurance package, try these:

Photography insurance in Canada: what you need to know

If you're taking pictures in Canada, there are some things you’ll want to keep in mind when it comes to insurance. Each province has its own set of rules, so what might be standard in Ontario could be different in Alberta or Quebec. Here’s a breakdown on other things to consider while getting photographer insurance:

Your questions about photography insurance, answered:

 

Does photography insurance cover drones?

Not always. If you use drones, you’ll need to check if your policy covers them or get separate drone insurance. Since drone regulations can be strict in Canada, having the right coverage is essential to protect against potential accidents or damages.

Does my homeowner’s insurance cover my photography equipment?

Usually not. Most homeowner’s insurance policies won’t fully cover equipment used for business purposes. It’s safer to have dedicated equipment insurance that protects your gear, whether you’re working in your home studio or on location.

Can I get insurance for just a single event or photoshoot?

Yes, some insurance providers offer short-term coverage options, perfect for one-off events like weddings or festivals. It’s a great way to stay protected without committing to a full annual policy.

Will my insurance cover me if a client claims I didn’t meet their expectations?

This is where professional liability (or errors and omissions) insurance is essential. If a client feels that you didn’t deliver what was promised and takes legal action, this coverage helps protect you from potential lawsuits or claims.

What’s the difference between freelance and studio insurance coverage?

Freelancers typically need coverage for portable equipment since they’re often on the go. Studio owners, on the other hand, should focus on insuring their physical space, contents, and any liability related to clients visiting the premises.