19 minute read
Insurance for professional photographers
What is photographer’s insurance?
Photographer’s insurance is a combination of coverages based on the needs of your business. Here are the most common coverages you may need to protect your business:
Business liability
Accidents happen, and when they do, it can get stressful. If a client gets injured by accident, they could pursue legal action and you could end up facing an expensive lawsuit. Having commercial general liability insurance can help you recover from the financial costs associated with lawsuits and keep you in business.
Commercial auto insurance
Do you or your employees drive to different shoot locations or meet clients? Having commercial auto insurance can help you protect the items you’re transporting – like camera equipment and props.
Property insurance
Commercial property insurance can help you protect things inside your business space and pay for the costs to replace or repair them when a covered loss occurs.
Cyber insurance
Does your business use software to edit or touch up photographs? How about storing customer information? Having this kind of coverage can help you recover expenses caused by cybercrime.
Why do professional photographer’s need insurance?
Insurance doesn’t guarantee nothing bad will ever happen, however having it will help you and your business if the unexpected happens.
Even experts make mistakes
You can plan and prepare but you can’t predict if you’re going to make a small mistake and how a client is going to react to this. Having insurance can protect you if a client says you failed to meet expectations and they suffered financially.
Show you’re a professional
Having proof of insurance may set you apart from your competition. Clients want to know that your business is protected from losses and that they can trust you.
Your reputation may also be enhanced as a result and this could help your business grow.
How much is photographer’s insurance?
The cost of insurance to protect your photography business varies based on the needs of your business. For example, if you’re a professional photographer with a studio at home, you may not need a commercial auto insurance policy.
Or if you’re an events photographer that drives to different locations, you may not need a photographer’s studio, and have no need for commercial property insurance.
A few other factors that can affect how much your coverage costs include the following:
- Location
- Claims history
- Revenue
- Number of employees
- Risks your business may be exposed to
Do I need insurance to protect my photography studio?
If you operate a photography studio out of your home or you rent a space, you need protection.
If your photography studio is a home-based business, a standard home insurance policy won’t cover certain scenarios you may encounter, including:
- Your business equipment gets damaged or stolen
- If your business equipment causes a fire
- If a client or visitor to your studio slips and falls on your property
- If you damage property that belongs to someone else
These are also scenarios you can face in a rented space. Having commercial property insurance can protect a long list of things beyond your studio space, including property and equipment inside the studio.
Why choose Trushield?
Fast claims service
We make settling claims simple and stress-free. With around-the-clock claims support by phone and online, we’re ready to help you when you need us.
Legal expense insurance
All TruShield small business insurance policies include legal expense insurance: coverage for up to $50,000 of legal costs.
Flexible payment options
Need to pay for your policy in monthly installments? Or want to pay all at once? We leave that up to you! For your convenience, we also accept payment by credit card.
Small business experts:
Head office
TruShield Insurance
105 Adelaide St. West
Toronto, ON
M5H 1P9
1.844.429.9480
Monday to Friday
8:30AM to 5:00PM ET
105 Adelaide St. West
Toronto, ON
M5H 1P9
1.844.429.9480
Monday to Friday
8:30AM to 5:00PM ET
Business Insurance in Canada
Send us a message
Contact us to learn more about how we can help with your small business insurance needs.
Get in touch
Update payment information
Terms, conditions and exclusions apply, see policy for details. The services described on this website are not insurance policies and not all policies are eligible. For more information on our services and for information on our insurers please see Terms and Conditions.
Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information.
Legal information
Terms, conditions and exclusions apply, see policy for details. The services described on this website are not insurance policies and not all policies are eligible. For more information on our services and for information on our insurers please see Terms and Conditions.
Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information.
TruShield Insurance, 105 Adelaide Street West, Toronto, ON M5H 1P9
Customer satisfaction
