Photography business insurance costs vary widely across coverage types, and understanding these differences helps you budget smartly. MoneyGeek's analysis shows monthly premiums range from $17 for workers' compensation to $64 for professional liability coverage.
How Much Does Photography Business Insurance Cost?
Photography business insurance can cost as little as $17 per month, though your specific business details and coverage needs will determine your final rate.
Discover cheap photography business insurance below.
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Updated: August 18, 2025
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Key Takeaways
Photography business insurance costs range from $17 to $64 monthly depending on your coverage type, with general liability averaging $24 per month.
Your photography insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable photography business insurance costs.
Average Photography Business Insurance Cost Overall
| BOP | $32 |
| General Liability | $24 |
| Professional Liability (E&O) | $64 |
| Workers Comp | $17 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Photography Business Insurance Cost for General Liability Coverage by State
Your photography business general liability coverage costs vary by location. Maine offers the most savings at $21 monthly (versus the $24 national average), while Louisiana costs $28 monthly, helping you plan your business budget.
| Alabama | $24 |
| Alaska | $24 |
| Arizona | $23 |
| Arkansas | $23 |
| California | $27 |
| Colorado | $24 |
| Connecticut | $26 |
| Delaware | $26 |
| Florida | $26 |
| Georgia | $25 |
| Hawaii | $28 |
| Idaho | $23 |
| Illinois | $27 |
| Indiana | $24 |
| Iowa | $23 |
| Kansas | $24 |
| Kentucky | $23 |
| Louisiana | $28 |
| Maine | $21 |
| Maryland | $23 |
| Massachusetts | $25 |
| Michigan | $23 |
| Minnesota | $23 |
| Mississippi | $24 |
| Missouri | $24 |
| Montana | $24 |
| Nebraska | $23 |
| Nevada | $28 |
| New Hampshire | $24 |
| New Jersey | $27 |
| New Mexico | $24 |
| New York | $28 |
| North Carolina | $21 |
| North Dakota | $21 |
| Ohio | $23 |
| Oklahoma | $23 |
| Oregon | $23 |
| Pennsylvania | $28 |
| Rhode Island | $27 |
| South Carolina | $25 |
| South Dakota | $23 |
| Tennessee | $24 |
| Texas | $24 |
| Utah | $23 |
| Vermont | $23 |
| Virginia | $22 |
| Washington | $28 |
| West Virginia | $25 |
| Wisconsin | $24 |
| Wyoming | $22 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Photography Business Insurance Cost for Workers’ Compensation Coverage by State
Your photography business cost for workers' compensation varies by state. North Carolina offers the lowest rates at $15 monthly and New York the highest at $20 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $17 |
| Alaska | $16 |
| Arizona | $16 |
| Arkansas | $17 |
| California | $19 |
| Colorado | $17 |
| Connecticut | $18 |
| Delaware | $19 |
| Florida | $18 |
| Georgia | $17 |
| Hawaii | $18 |
| Idaho | $16 |
| Illinois | $19 |
| Indiana | $17 |
| Iowa | $16 |
| Kansas | $17 |
| Kentucky | $16 |
| Louisiana | $20 |
| Maine | $15 |
| Maryland | $16 |
| Massachusetts | $18 |
| Michigan | $16 |
| Minnesota | $16 |
| Mississippi | $17 |
| Missouri | $17 |
| Montana | $17 |
| Nebraska | $16 |
| Nevada | $19 |
| New Hampshire | $17 |
| New Jersey | $19 |
| New Mexico | $17 |
| New York | $20 |
| North Carolina | $15 |
| Oklahoma | $16 |
| Oregon | $16 |
| Pennsylvania | $20 |
| Rhode Island | $19 |
| South Carolina | $18 |
| South Dakota | $16 |
| Tennessee | $17 |
| Texas | $17 |
| Utah | $16 |
| Vermont | $16 |
| Virginia | $15 |
| West Virginia | $18 |
| Wisconsin | $17 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Photography Business Insurance Cost for Professional Liability Coverage by State
Similar to other types of coverage, your cost for professional liability varies based on your state. While the national average runs $64 monthly, North Dakota offers the lowest rates at $55 monthly, and Pennsylvania charges the most for E&O insurance at $74 monthly.
| Alabama | $62 |
| Alaska | $57 |
| Arizona | $60 |
| Arkansas | $60 |
| California | $73 |
| Colorado | $63 |
| Connecticut | $70 |
| Delaware | $68 |
| Florida | $69 |
| Georgia | $65 |
| Hawaii | $66 |
| Idaho | $61 |
| Illinois | $70 |
| Indiana | $62 |
| Iowa | $61 |
| Kansas | $62 |
| Kentucky | $58 |
| Louisiana | $71 |
| Maine | $56 |
| Maryland | $62 |
| Massachusetts | $66 |
| Michigan | $60 |
| Minnesota | $59 |
| Mississippi | $64 |
| Missouri | $63 |
| Montana | $66 |
| Nebraska | $61 |
| Nevada | $73 |
| New Hampshire | $63 |
| New Jersey | $73 |
| New Mexico | $65 |
| New York | $73 |
| North Carolina | $56 |
| North Dakota | $55 |
| Ohio | $60 |
| Oklahoma | $60 |
| Oregon | $59 |
| Pennsylvania | $74 |
| Rhode Island | $72 |
| South Carolina | $65 |
| South Dakota | $58 |
| Tennessee | $63 |
| Texas | $63 |
| Utah | $61 |
| Vermont | $61 |
| Virginia | $58 |
| Washington | $71 |
| West Virginia | $67 |
| Wisconsin | $63 |
| Wyoming | $60 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Photography Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary widely for photography businesses across states. Monthly premiums range from $28 in Maine to $37 in New York, showing how location affects insurance costs.
| Alabama | $32 |
| Alaska | $29 |
| Arizona | $31 |
| Arkansas | $30 |
| California | $35 |
| Colorado | $32 |
| Connecticut | $35 |
| Delaware | $35 |
| Florida | $35 |
| Georgia | $33 |
| Hawaii | $35 |
| Idaho | $31 |
| Illinois | $36 |
| Indiana | $31 |
| Iowa | $31 |
| Kansas | $32 |
| Kentucky | $30 |
| Louisiana | $36 |
| Maine | $28 |
| Maryland | $31 |
| Massachusetts | $33 |
| Michigan | $30 |
| Minnesota | $30 |
| Mississippi | $33 |
| Missouri | $31 |
| Montana | $31 |
| Nebraska | $31 |
| Nevada | $37 |
| New Hampshire | $32 |
| New Jersey | $36 |
| New Mexico | $32 |
| New York | $37 |
| North Carolina | $28 |
| North Dakota | $28 |
| Ohio | $30 |
| Oklahoma | $30 |
| Oregon | $29 |
| Pennsylvania | $37 |
| Rhode Island | $35 |
| South Carolina | $34 |
| South Dakota | $30 |
| Tennessee | $32 |
| Texas | $32 |
| Utah | $31 |
| Vermont | $31 |
| Virginia | $29 |
| Washington | $35 |
| West Virginia | $34 |
| Wisconsin | $31 |
| Wyoming | $30 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Photography Business Insurance Cost
Photography business insurance costs vary based on several factors that insurance companies review when calculating premiums. Understanding these elements helps with budget planning. We explore these cost factors in detail below.
Geographic location
Your business location affects workers' compensation rates and liability costs based on local regulations and claim frequencies. Areas with higher theft rates or severe weather increase your risk since cameras and equipment are valuable targets. Premium variations are also due to state-by-state insurance requirements.
Safety record and claims History
Previous claims impact future premiums, sometimes for three to five years. A single liability incident, like a client tripping over your equipment, can substantially increase your general liability rates at renewal.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding photography assistants or studio staff increases your payroll costs, affecting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A solo photographer earning $50,000 annually pays less than a studio generating $500,000 in wedding photography revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive photography equipment requires higher coverage limits, increasing your premiums. A studio using high-end cameras, lenses, and lighting equipment worth tens of thousands will pay more for equipment coverage than one using basic gear.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Photography Business Insurance
Smart shopping and good business practices can lower your photography business insurance costs, and these proven strategies will help reduce your premiums both now and in the future.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your photography business needs prevents overpaying for unnecessary coverage. Professional liability protects against claims of unsatisfactory work, while equipment coverage safeguards your cameras and gear. Consider general liability for studio accidents and commercial auto if you travel to shooting locations.
- 2
Shop multiple insurance companies
Insurance rates can vary between providers for the same coverage. Request quotes from at least three companies to find the best rates. Consider working with an independent agent who can compare multiple options for you.
- 3
Bundle your coverage types
Insurance companies offer discounts for bundled policies. Combining professional liability, equipment coverage and general liability with one provider usually costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out of pocket for claims, but save money on regular payments.
- 5
Pay annually instead of monthly
Monthly payment processing fees can increase your total insurance costs. Paying your full premium annually often eliminates these fees and may qualify you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your photography business grows. Review your policies yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and equipment value.
Insurance for Photography Business Cost: Bottom Line
Photography business insurance costs range from $17 to $64 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Photography Business Insurance Cost: FAQ
Business owners frequently ask about photography company insurance costs. Our research team compiled answers to common questions about coverage prices and requirements below.
What is the cheapest type of photography business insurance?
Workers' compensation insurance costs $17 monthly, making it the most cost-effective option. However, most photography businesses opt for general liability coverage at $24 monthly to protect against customer injuries and property damage.
How much can I save by bundling my photography business insurance policies?
Bundling multiple policies with one insurance carrier offers the best savings. General liability insurance alone costs around $292 per year, but combining coverages can reduce overall expenses significantly.
What factors make my photography business insurance more expensive?
Some cost-increasing factors include poor claims history, high-crime locations, expensive equipment and more employees.
General liability insurance is the most budget-friendly option at $24 per month or $292 annually for photography businesses. This basic coverage protects against common risks and third-party claims.
Should I choose a $500 or $2,500 deductible for my photography business insurance?
Higher deductibles mean lower monthly premiums but require more out-of-pocket costs when filing claims. Consider your available cash and claim likelihood when choosing your deductible.
How much does workers' compensation cost for photography businesses by state?
Workers' compensation costs for photography businesses range from $15 monthly in North Carolina to $20 monthly in New York, varying by location's risk factors and regulations.
Is business owner's policy (BOP) worth the extra cost for photography companies?
A business owner's policy costs $32 monthly and bundles general liability, commercial property and business interruption coverage. This package delivers more value than purchasing individual policies for growing photography businesses.
How often should I shop around for photography business insurance quotes?
Compare insurance quotes annually during renewal time. Getting at least three quotes helps you find better rates, particularly if your business has grown or changed services.
How We Determined Photography Business Insurance Costs
We collected photography business insurance quotes from companies across different states. To make sure we compared apples to apples, every quote used the same business setup:
- Two employees (three people total, including the owner)
- $150,000 annual payroll
- $300,000 annual revenue
- Already insured status
- $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage
This profile represents small photography businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the photography industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.