Protect Your Company With Photographer Insurance
From a stolen camera or lost memory card, to property damage at a worksite, to customer injuries in your studio, photography businesses have to be prepared for the potential financial impact from a wide range of risks. At biBERK, we provide tailored business photographer insurance coverage at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a policy, manage it, and submit claims online for ultimate convenience.
Why is Photography Business Insurance Important?
Professional photographers face many risks, so it’s critical that you have photography business insurance wherever your company resides. Employee injury is always possible, so workers’ comp is crucial. Equipment theft or damage should be covered by a BOP. A commercial auto policy is important as you drive from job to job. Many client engagements require a Certificate of Insurance, which is available online as soon as you purchase a policy from us.
Any Business That Offers Photography Services Needs Photographer Insurance, Including:
- Aerial photography companies
- Camera operators
- Commercial videographers
- Digital artists
- Drone photo and video companies
- Freelance photographers
- Freelance videographers
- Portrait photographers
- Multi-media services companies
- Photo and video editing services
- Photo retouching companies
- Stock photography companies
- Stock videography companies
What are the Different Types of Professional Photographer Insurance?
At biBERK, we offer six different types of professional photographer insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.
Workers’ Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.Workers' Compensationchevron_right
General Liability Insurance
Also known as commercial liability insurance, a general liability policy is important. It covers damages and legal costs associated with injury claims to customers and other people you don’t employ, damage to other people’s property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.General Liabilitychevron_right
Business Owners Policy
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You’ll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.Business Owners Policychevron_right
Commercial Auto Insurance
If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.Commercial Autochevron_right
This coverage can be purchased as an add-on to a general liability, errors and omissions, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.Cyber Insurancechevron_right
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.Umbrella Insurancechevron_right
Why biBERK for Photographer and Videographer Business Insurance?
We’re the experts when it comes to small business.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you—up to 20% less than policies with other insurance companies.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.
What’s the Best Photographer Insurance for My Business?
Every photography business is unique and has unique insurance requirements. The policy descriptions above can help you decide what coverage you need. Then you can get fast online photographer insurance quotes for the different policies you need in order to see what your coverage will cost. And, of course, if you have questions, our team of licensed insurance experts is always happy to answer them.
Frequently Asked Questions About Small Business Insurance
Am I required to have small business insurance?keyboard_arrow_down
By law in most states, you must have workers’ comp insurance if you have employees. If your business owns or leases vehicles, then by law you must carry commercial auto liability insurance at set limits. Many other types of insurance are required to get contracts, with a few niche industries having coverages required by law.
How long does it take to get small business insurance?keyboard_arrow_down
Getting a business insurance quote and then paying for one or more policies is fast and easy. It can take as little as five minutes. Your coverage is instant once you complete the process, and you can obtain a Certificate of Insurance (COI) immediately.
Does biBERK offer small business insurance in my state?keyboard_arrow_down
While we offer business insurance in all 50 states, the answer regarding specific coverages depends on the type of insurance and the state. Our coverage maps are a quick and easy way to see if we can provide you with a particular type of policy.