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The Best Photography Insurance of 2022

Thimble is our pick for the best photography insurance

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Photographers and videographers typically need to find insurance coverage to protect them against the potential costs of both lawsuits from their performance and damage to their equipment. Whether you have a large photography business or are just a hobbyist taking jobs every once in a while, every photographer needs at least some insurance coverage. 

Potential liability for photographers typically falls under the categories of breach of contract or misrepresentation. Depending on what type of photography your business does, you could also be on the hook for misappropriation of the images you take. While the normal costs of breach of contract are the costs it takes your client to be made whole, which is typically not more than what you were paid, a misappropriation claim could be thousands of dollars. 

Having the right insurance coverage can give you peace of mind and protect you in the event that something goes wrong. The best insurance companies for photographers offer affordable rates with more than enough coverage, in both amount and types, to cover anything you may be working on. After looking at 18 of the best insurance companies we’ve selected the top five below.

Best Photography Insurance Companies of 2022

Best Overall : Thimble


Thimble

Thimble

Key Specs
  • Pricing: Starting at $17/month
  • How to Get a Quote: Online
  • Coverage Limits: $1 million to $2 million
  • Coverage Types: General liability, professional liability, errors and omissions insurance, and other coverage like drone insurance through a sister brokerage
Why We Chose It

We chose Thimble as our best overall photography insurance because of its affordable pricing, ease of use, strong customer reviews, and strong coverage options for small businesses that are a good fit for most photographers.

You can manage your insurance policy directly from your phone, and you can even pause coverage or get insurance for as little as an hour. Plus, you can get an online quote within 60 seconds. 

Thimble offers general liability, professional liability, and errors and omissions insurance. You can also add on other coverage, such as drone insurance, through a sister brokerage.

Customers seem to generally love the service, especially how easy it is to get access to a certificate of insurance and add on new coverage for specific events. Thimble is a great option for most small businesses, especially photographers without many employees.

Pros & Cons
Pros
  • Affordable coverage

  • Many coverage types

  • Easy to get coverage for single events

Cons
  • Some customers complain about difficulties changing policy details

Although Thimble customer reviews are largely positive, some customers complain about having trouble making changes to their policies.

Best for Coverage Options : Hill & Usher


Hill & Usher

Hill & Usher

Key Specs
  • Pricing: Starts at $500 annually
  • How to Get a Quote: Online
  • Coverage Limits: $1 million or more
  • Coverage Types: General liability, errors, and omissions, equipment coverage
Why We Chose It

Hill & Usher is our choice for the best photography insurance company for coverage options because their Package Choice coverage includes everything any photographer needs. Its coverage includes general liability, errors and omissions, and equipment coverage for most needs. If you know you need a lot of coverage, this could be a good option for you.

Hill & Usher doesn’t have many online customer reviews, which isn’t surprising because they aren’t as digital-friendly as most options on this list.

Pros & Cons
Pros
  • Coverage includes everything a photographer needs

  • Good for photographers that need a lot of coverage

Cons
  • Website is dated and difficult to navigate

  • Few customer reviews

Best for Employee Coverage : The Hartford


The Hartford

The Hartford

Key Specs
  • Pricing: Not disclosed
  • How to Get a Quote: Online
  • Coverage Limits: Up to $2 million
  • Coverage Types: General liability, property, errors and omissions, drone, business income, Business Owner's Policy
Why We Chose It

The Hartford is our most traditional coverage option on this list. We chose it as our best for employee coverage because of their experience and options for covering workers' compensation and employee liability. The Hartford is one of the largest insurance companies focused on helping small businesses in recent years and can generally be a good option for many businesses. 

Pros & Cons
Pros
  • One of the largest insurers focused on small businesses

  • Experience covering workers' compensation and employee liability

Cons
  • Customers complain about slow claims handling

  • Higher pricing than competitors

The Hartford has varying customer reviews online, with positive ones pointing to their fairly easy application process. The poor reviews point to slow claims handling, which is fairly common among insurance companies of their size, but it should be considered for a small business that typically needs claims processed quickly.

It should also be noted that The Hartford doesn't disclosing its pricing range. You'll have to get a quote.

Best for Hobbyists : Full Frame Insurance


Full Frame Insurance

Full Frame Insurance 

Key Specs
  • Pricing: $59/single event; $129/annual 
  • How to Get a Quote: Online unless annual revenue is > $200,00; then you'll have to call (844) 670-1078 to speak to an underwriter
  • Coverage Limits: Up to $2 million
  • Coverage Types: General liability, equipment
Why We Chose It

Full Frame Insurance is a company that focuses on coverage for photographers and videographers. It is our best insurance company for hobbyists because it’s one of the few insurers that allow you to get insurance for a specific event. If you’re only providing photography services part-time or every once in a while, this is a perfect solution for you to get protected without unnecessary coverage. 

Pros & Cons
Pros
  • Perfect for hobbyists

  • Good for single-event photography

Cons
  • No employee liability or workers' compensation insurance

  • Not available in all states

  • Few customer reviews

If you need employee liability or workers' compensation insurance, you'll have to look elsewhere.

Another Coverage Option : Insureon


Insureon

Insureon

Key Specs
  • Pricing: Varies
  • How to Get a Quote: Online
  • Coverage Limits: Varies with insurer
  • Coverage Types: General liability, Business Owner's Policy, professional liability, workers' compensation, commercial auto
Why We Chose It

Insureon is a marketplace website that lets you compare coverage and prices from many insurers. Choices that cover a wide range of small business owners in many professions, including photography, are available. Its coverage and process are focused on what is right for each type of business applicant. It offers an easy-to-use online option to apply and get started quickly with coverage.

Pros & Cons
Pros
  • Compare prices and coverages from multiple insurers

  • Easy online application

Cons
  • No pricing transparency

  • Coverage options vary by insurer

Final Verdict

Photography businesses of all sizes need reliable insurance to protect them from customer lawsuits and other problems. You'll want to do your homework and choose a photography insurance company that works for your business's needs.

We chose Thimble because it provides most of the features photographers will need at an affordable price. But your business may have special needs, so be sure to check out all the providers on our list to choose an insurance provider that works for you.

Frequently Asked Questions

What is Photography Insurance?

Photography insurance is coverage specifically designed to protect photographers and videographers from a big financial loss, typically via either damage to their equipment or due to a lawsuit. The right insurance coverage can protect your business (or you personally, depending on your business formation) from things such as breach of contract, damaged property, professional liability, or workers' compensation for businesses with employees.

What Does Photography Insurance Typically Include?

As a photographer, you can choose to get insurance coverage in two ways, either choosing à la carte the exact coverage you need, or you can choose to get a business owner's policy (BOP) that covers most small business needs. Using a BOP is typically more affordable for businesses that don’t have a lot of potential liability, including freelancers or hobbyist photographers. Here are the typical types of coverage that can be included in the term “photography insurance,” but the type you need varies by the size of your business: 

  • General Liability Insurance: This is a generic coverage that can include several things, depending on your policy, such as client injuries or some property damage.
  • Property Insurance: This is a more comprehensive coverage option to protect your important equipment. Typically this isn’t needed unless you have a larger business with a lot of equipment and are completing high-risk jobs. 
  • Business Owner’s Policy: Combines both general liability and property coverage in a more affordable package.
  • Professional Liability Insurance: Often called “errors and omissions” insurance, this protects you from potential liability you incur with the delivery of your work performance. 

What Does Photography Insurance Typically Exclude?

Insurance coverage will help most photographers in most of the situations they might encounter. However, insurance is never going to cover everything. For photographers, that means that if you commit fraud or serious negligence, you may not be covered. An example of fraud is if a photographer sold services, collected money from their client, failed to deliver, and didn’t refund the money. Negligence is a bit tougher to prove but essentially means that the photographer failed to do something that they should have done, which caused the problem. Negligence is carved out of insurance policies in different ways, so you should read the fine print. 

Your photographer's insurance policy might not cover specific types of events or activities. So if you’re into high-risk photography that could impact the safety of your property, like marine or drone photography, then you’ll need to be sure this is covered in your policy. This could require you to have a totally different coverage type, like inland marine or drone insurance, each carrying an additional cost.

How Much Does Photography Insurance Cost?

The costs of photography insurance vary by state and the amount of coverage you need. You can get general liability insurance for as little as $59 to cover a single event, like a wedding, all the way up to paying several hundred dollars per month for a larger business. Below are some of the items that could impact your total costs: 

  • The value of your equipment
  • Company revenue, or freelancing revenue from the photography services you offer
  • Photography services offered
  • Where your business is located
  • How many employees you have, if any
  • What coverage and options you select


Methodology

We looked at more than 18 of the best insurance companies to determine what their coverage options look like for photographers and videographers. We compared factors such as coverage options, whether they focus on photographers, how much each policy or add-on costs, and what current customers have to say. With this information, we narrowed the list to our top five photography insurance providers.

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