Photographer Insurance

Stats show that about two-thirds of US photographers are self-employed, meaning that they face the full-blown risks of the job alone. It’s no wonder then that having photographer insurance has become an industry must-have. How do you choose the one that would fit you best, though? Have no fear, we’ve selected the best insurance for photographers alternatives out there to keep you and your art safe. Scroll down for our comprehensive reviews, backed by our selection methodology, and a handy buying guide to choosing the option that would work best for you.

The Best Photography Insurance

Hiscox Logo

Hiscox

Big coverage for small business.

Hiscox USA is a leading specialist insurer with origins dating back to 1901 and more than 3,000 employees spread around 14 countries. The team is ready and prepared to handle every insurance need

Coverage Types:

  • Business Insurance
  • General Liability Insurance
  • Professional Liability Insurance
  • Errors and Omissions
  • Cyber Security Insurance
  • Workers Compensation
  • Other Coverages

Geographical Coverage:

  • Worldwide

Pricing:

  • Starting from $22.5
Thimble Logo

Thimble

Quick-thinking insurance for fast-moving businesses.

Thimble was founded in 2016 by a group of insurance professionals frustrated with the lack of options available for freelancers. They set out to build an insurance marketplace that would provide coverage tailored specifically to today's gig economy.

Coverage Types:

  • General Liability
  • Professional Liability
  • Business Equipment Protection
  • Business owners policy (BOP)
  • Commercial Property Insurance
  • Drone Insurance

Geographical Coverage:

  • Nationwide

Pricing:

  • Starting from $17
CoverWallet Logo

CoverWallet

Commercial insurance for your business.

Cover Wallet was founded in 2014 with the goal of making insurance more accessible and affordable for small businesses. Since then, it has become an insurance staple, providing coverage to over 100,000 businesses.

What’s Covered:

  • General Liability
  • Workers Compensation
  • Business Owners Policy (BOP)
  • Commercial Property
  • Professional Liability
  • Commercial Auto
  • Umbrella Insurance
  • Errors & Omissions (E&O)
  • Directors & Officers (D&O)
  • Employment Practices Liability Insurance (EPLI)
  • Fiduciary Liability

Geographical Coverage:

  • Nationwide

Pricing:

  • Variable, depending on the policy
AllState Logo

AllState

You're in good hands.

AllState is a company with 85 years of experience in the insurance space that has always provided top-notch services to its customers. This insurer helps individuals and businesses stay safe while working hard for their dreams.

Coverage Types:

  • Business property coverage
  • General liability coverage
  • Business interruption coverage
  • Data compromise coverage
  • Professional liability coverage
  • Employment practices liability coverage

Geographical Coverage:

  • Nationwide

Pricing:

  • Variable
The Hartford Logo

The Hartford

Purpose-driven insurance leader.

Founded back in 1811, The Hartford prides itself on its customer service excellence, sustainability practices, and integrity. This Connecticut-based industry veteran serves more than one million small businesses that trust it for casualty and property insurance, group benefits, and mutual funds, among other things.

Coverage Types:

  • Homeowners Insurance
  • Renters Insurance
  • Condo Insurance
  • Flood Insurance
  • Umbrella Insurance
  • Commercial Insurance Solutions

Geographical Coverage:

  • Worldwide

Pricing:

  • High end

How We Selected the Best Photographer Insurance Providers

We didn’t just randomly pick a bunch of photographer insurance providers but rather, researched multiple alternatives with the help of comprehensive criteria. Read on to learn what we took into account. 

Coverage Types

We started by ensuring that the services on our list offer as comprehensive coverage as possible. 

Geographical Coverage 

We also vetted providers based on their geographical coverage since, after all, the best insurance for photographers is the one that works where you do your business. While most of the providers offer nationwide coverage, we also made sure to source options that you could use should your photography business or hobby take you overseas. 

Website Evaluation 

As part of our research for insurance for photography business, we headed over to the website of each insurance provider under consideration to evaluate the services on offer and how well the coverage is explained. We also look into how easy it is to get a quote, if it is possible to purchase the insurance online, etc. 

Customer Reviews

We also looked at customer reviews to see what people had to say about the quality of service, pricing, and more. In the case of complaints about the professional photographers insurance, we also evaluated the provider’s response. 

Pricing

We checked each insurance provider’s website for the cost of their coverage and then compared it to other companies. Our purpose was to find services priced within the industry average and always providing good value for money. 

Reviews of the Best Photography Insurance

Hiscox 

In addition to being one of the top insurance for camera equipment providers, Hiscox offers coverage against civil liability claims such as those for libel, defamation, breach of privacy, or copyright infringement on websites used for marketing purposes. Their plans are valued by many who hold the practice as their profession or hobby.

Pros

Cons

Hiscox insurance for photographers is available to all types of photography businesses including weddings, sports, commercials, wildlife, etc. The company’s products are quite popular among both novice and professional photographers.

If you’re looking for camera insurance specifically, Hiscox’s policy will fit the bill. Their equipment section includes damaged photography gear, theft or loss of equipment, and accidental damage. 

On the other hand, what’s not so enjoyable about the experience offered by Hiscox is the lack of transparency on coverage types, pricing, and plan options. Browsing their website to successfully extract the needed information is difficult and time-consuming. 

On the upside, customers praise how easy it is to purchase professional or photography equipment insurance with Hiscox and the quick response time to claims. 

Thimble

Despite being a relative newcomer, Thimble has an A+ rating from the Better Business Bureau (BBB) and is trusted by many photographers. The company offers insurance for camera equipment, studios, and events. Coverage includes accidental damage, theft, loss, and more. There are no location restrictions with this policy stateside, making it a great choice for photographers who travel.

Pros

Cons

Since the company offers one of the best photography insurance alternatives there is no deductible on claims made through them and property damage coverage is included at no additional cost.

Thimble is the camera gear insurance if you’re looking to insure yourself and your equipment at lower costs. If you need professional liability coverage, though, Thimble won’t offer that. If a client sues you because of something they see in your work (for example), then Thimble wouldn’t protect against it — so it’s important to look at other options.

Thimble’s offer does cover injuries sustained on your premises or caused by you while working commercially as well as damages from defective products sold directly through the photographer’s website like prints or photography accessories.

Freelancers looking for specific services like wedding photography insurance or even drone photography insurance (which often hand in hand) will find an awesome offer in this company’s portfolio. 

CoverWallet

Cover Wallet’s photography business insurance offer includes two policies that are relevant to industry professionals: general liability and equipment coverage.

Pros:

Cons:

Cover Wallet is a great option for photographers looking for general liability insurance. They offer GL starting at $39/month and it includes coverage against claims from bodily injury, property damage, and personal injury.

If you’re looking for more comprehensive coverage, Cover Wallet also offers professional general liability insurance for photographers (PL) starting at $89/month. This plan includes coverage for libel, slander, copyright infringement, and more.

The Pro plan is the most comprehensive and for $129 per month it offers coverage against claims from bodily injury, property damage, and personal injury as well as defamation along with many other types of liability risks.

Those who prefer it may pick the custom professional photographer insurance plan which lets you personalize what you are getting covered for and how much it will cost.

This provider also stands out with its CoverWallet University blog which features articles on different insurance topics. Reviewers meanwhile praise the ease of use of the website and its accessibility, further cementing this vendor’s spot among the best photographer insurance providers. 

AllState 

The Allstate photography insurance is one of the best in terms of coverage and protection. It also has a lot of plans and coverage types, such as business property coverage, general liability coverage, business interruption coverage, data compromise coverage, photographer public liability insurance, and employment practices liability coverage. 

Pros

Cons

AllState has different plans, but their most popular one is the business owner’s policy (BOP). It includes general liability coverage in addition to property damage and professional liability protection. This plan also offers options for other types of coverage such as data compromise or employment practices. 

On the flip side, since the company doesn’t offer services for micro-businesses and other niche types of operations, coverage such as photographer insurance for one day is not available. 

Getting a quote for insurance for camera gear is easy since the website is sleek, intuitive, and approachable. You simply have to input some information about your business and what type of photography you do and you will be able to see all the different plans available to you.

What clients mostly say about AllState is that this vendor is reliable, affordable, and has great customer service. 

The Hartford

The Hartford offers general liability, equipment insurance for photographers, and inland marine coverage to its members. The company has been in business for over 50 years and provides quality coverage. They also stand out with their excellent customer service. 

Pros

Cons

The Hartford is a high-end insurance company that provides photographers insurance. While it may be more expensive than some of the other options, it is a great choice for those who need the best protection available.

The Hartford offers customizable plans, so it is possible to choose one-day photography insurance or short-term photography insurance which can be a great option for artists who only need limited coverage. The policy is designed to protect you from any legal liability that may arise from your work as a photographer. It covers third-party injuries, property damage, and libel or slander.

Even more so, those looking for wedding photographer insurance generally have a hard time finding plans that fully suit their needs, such as aerial photography insurance. Fortunately, the customizable plans of Hartford fit the bill. This industry veteran is also one of the top videographer insurance providers out there.

Their website is easy to navigate, and they offer excellent customer service. You can get a free quote online or by calling their toll-free number.

How to Choose the Best Insurance for Photographers for Your Needs 

When it comes to finding the best photographer’s public liability insurance, it can be tough to know where to start. With so many different policies and providers available, how do you determine which one is right for you?

Here are a few tips on what to look for when choosing photographer’s liability insurance:

Surely, in the end, it’s all about finding the right photographer insurance that encompasses everything that you need coverage for, or at the very least, as much as possible. When going through the actual process, we recommend eliminating all vendors that don’t match your needs and choosing among the ones that do.

By following these tips, you can ensure that you’re getting the best insurance for photographers that will impeccably fill your needs.