Photography Business Insurance Cost

We found average business insurance costs for photography companies for commonly needed coverage are as follows:

• Photography Insurance Bundle: $113 per month or $1,355 yearly for combined BOP, workers' comp and professional liability coverage.
• General Liability Cost: $24 monthly or $292 annually
• Workers' Comp Cost: $17 per month or $205 per year
• Professional Liability Cost: $64 per month or $765 annually
• Business Owners Policy (BOP) Cost: $32 monthly or $385 annually

Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.

The cost of photography general liability insurance changes depending where you are. Maine offers the best price at $21 monthly compared to the $24 national average, while Louisiana costs $28 monthly for coverage.

We based these general liability rates on photography businesses with two employees across different states. Your rates will change depending on what services you provide.

The cost of workers' compensation insurance differs across states. North Carolina provides the most affordable rates at $15 monthly, while New York charges $20 monthly.

We based these workers' comp rates on photography businesses with two employees across different states. Your workers' comp requirements and costs will differ by state.

Your professional liability cost varies by state. Nationwide, businesses pay $64 monthly on average. North Dakota offers the most affordable rates at $55 monthly, while Pennsylvania businesses cost $74 monthly.

We based these professional liability rates on photography businesses with two employees across different states. Your actual rates will depend on your services.

Photography business insurance costs vary by state, with business owner's policy (BOP) coverage ranging from $28 in Maine to $37 in New York for identical coverage. BOP insurance cost differences depend on state regulations, local risks and market conditions. The Pine Tree State offers the most affordable rates, while the Empire State commands the highest premiums among all states.

Note: We based these BOP rates on photography businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.

Photography business insurance costs vary widely by provider, ranging from $27 to $43 monthly. Commercial insurers target different market segments and shift focus over time based on profitability and coverage expansion opportunities for specific industries.

Photography business insurance costs vary based on multiple factors insurers consider when determining your premium rates.

Photography business insurance costs between $15 and $37 per month, though your exact premium depends on factors like location, business size and claims history. You can often lower your insurance costs by comparing quotes from multiple providers, bundling your policies, selecting higher deductibles and paying annually instead of monthly.

Photography business owners commonly ask about insurance costs.

Photography businesses face unique insurance challenges, from expensive camera gear that can be damaged or stolen on location to liability risks when shooting weddings, events, and commercial assignments where mistakes can cost clients thousands. We designed this research to show you what coverage actually costs based on real business profiles, so you can budget accurately and find insurers who understand photographers' specific needs.

We collected quotes from companies across different states using a standardized business profile for accurate comparisons. This approach shows you which insurers offer the best value for photographers rather than mixing incompatible quotes that distort pricing.

We used a small photography business with two employees (three people total including the owner), $150,000 in annual payroll, and $300,000 in annual revenue. This business had existing coverage, not a first-time buyer starting from scratch.

We quoted coverage at $1 million per occurrence and $2 million aggregate for liability policies. BOP policies included the same liability limits plus $5,000 in business property coverage for equipment and office contents.

This represents a typical small photography business requiring comprehensive coverage, not a hobbyist with minimal exposure or a large commercial studio with dozens of employees. Most photographers operate with one or two assistants, handle similar revenue levels, and need protection for both their expensive equipment and the liability risks that come from shooting client events where problems can't be redone.

Photography-specific risks drive your insurance needs differently than other small businesses. A missed wedding shoot or corrupted memory card creates liability that general business owners never face, while your camera bodies, lenses, and lighting equipment represent tens of thousands in replacement costs. Our standardized profile helps you understand what adequate protection costs for a business like yours across different coverage types and providers.