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Photography Insurance policy rate is based on the amount of risk associated with your business. Factors that contribute to pricing include the size of your crew, your specific location, and the duration and amount of coverage you need.

Protect your photography business with flexible, affordable, on-demand, monthly or annual policies from Thimble. To get an accurate idea of how much Photographer Insurance would cost you and your business, give me a call or get an instant quote with the link above.

Cameras, lenses, tripods, and lights are expensive and vital equipment you need to do your job. While general liability insurance protects other people’s property, it doesn’t cover damage to your first-party property.

For that, you need camera equipment insurance, which we simply call, Business Equipment Protection. It protects your owned and borrowed property against accidental damage, loss, or theft when it’s on the go.

Business Equipment Protection provides blanket coverage for your equipment and gear (for each item under $2,500). For more expensive equipment you can choose an additional $2,500 in coverage.

Without the right camera equipment coverage, you could find yourself facing a costly and unexpected business expense.

Commercial property insurance

Professional liability insurance

If you work out of a studio or office, you could benefit from another type of first-party property coverage called commercial property insurance. While Business Equipment Protection covers the gear you take with you, commercial property insurance covers your owned building you work in and your business property inside.

Depending on the specifics of your policy, commercial property insurance can cover:

• Damage and vandalization of your building and its premises

• Loss, theft, or damage of the valuable equipment inside and within 100 feet of the premises

• Loss-of-use of your building and equipment (including lost revenue from closure)

If you lease a space, most landlords will require you to get insurance to cover the landlord’s liability interest and perhaps, some of its property interest. You should verify with your landlord. If you own the building, it’s that much more important to safeguard your real estate investment with the appropriate coverage.

Professional liability insurance helps cover a client’s financial losses resulting from your advice or your failure to provide professional services properly. But how could your work in the photo and video space impact someone’s bank account? It’s more common that you might think!

For example, you’re a videographer creating a reel for an actress to be delivered to a casting agent by a certain deadline. Should you send a corrupt file and cause her to miss out on the job, she could sue you for the loss of potential income.

Since photos and videos often play a role in your clients’ business endeavors, it’s a good idea to carry professional liability insurance to cover instances where they believe their financial loss stems from your work.