6 Best Photography Insurance Companies 2023
Photographers can capture a moment forever, and the best photography insurance lets you focus on your craft without worrying about liability claims or what happens if your equipment gets damaged. The best insurance for photographers is also affordable, can be purchased quickly, gives you access to your documents when needed, makes it easy to provide a certificate of insurance (COI) to a venue you are working, and is responsive when you have a question.
Using our proprietary rubric focusing on financial stability, customer satisfaction, convenience, and the policies offered, we reviewed leading insurance companies to find the six best photography insurance providers for your business.
- The Hartford: Best overall for photography insurance
- Next: Best for quick quotes and instant COIs
- Simply Business: Best for comparing prices and purchasing your policy online
- Thimble: Best for freelance photographers
- Full Frame: Best for quick and highly affordable coverage
- Hiscox: Best for destination and wildlife photographers
Best Photographer Insurers Compared
Photography insurance overall
24/7 call center
Quick quotes and instant COIs
Online or through its app
Monday to Friday, 8 a.m. to 5 p.m. Central time
Comparing prices and purchasing your policy online
Monday to Friday, 8 a.m. to 8 p.m. Eastern time
Monday to Friday, 9 a.m. to 6 p.m. ET
A- to A (Excellent)
Quick and highly affordable coverage
Monday to Friday, 8 a.m. to 8 p.m. Mountain time
Destination and wildlife photographers
Monday to Friday, 7 a.m. to 10 p.m. ET
The Hartford: Best Overall for Photography Insurance
What We Like
- Quick, online quote
- Drone Insurance
- 24/7 claims services
- No mobile application for commercial customers
- No same-day coverage
- You may have to call to finish the process
- Independent agents: Able to help you with your policy
- Online portal: Access to policy documents instantly
- Financial strength: Excellent financial rating
- Range of coverage: Available for solopreneurs, professional studios, and event photographers
Because of its convenient 24/7 availability, online quoting process, specialty coverage for photographers like drone coverage or off-premise equipment insurance, and superior financial rating, The Hartford is the best overall provider for photography insurance.
From its online experience to in-house claims, it consistently shows it has put 200 years of experience into customer service. However, coverage is usually not available on the same day, and you may have to call to purchase the policy. It also has no mobile application for business owners.
We received a quote for $485 annually for a business owner’s policy (BOP). This was for a home-based business. The BOP had $10,000 in property coverage for the camera equipment with a deductible of $1,000. It also carried liability limits of $1 million per occurrence and $2 million aggregate. The liability contained product and completed operations.
The quote had customizable limits with liability as low as $500,000 and as high as $2 million per occurrence. You can add drone liability coverage for $155.
The Hartford has several coverages that can fit any type of professional photographer, including off-premise business equipment coverage. This coverage is to help you with lost income if your equipment is damaged at a special event and you lose the income from it because of the damaged equipment.
With its great digital experience, working with The Hartford comes with convenience. Online, you can get a quote, sometimes purchase a policy, manage the policy, and file a claim. Its website is easy to use—whether you need to file a claim or contact the provider, you can find what you need within a few clicks.
The Hartford ranked third in J.D. Power’s 2022 United States Independent Agent Satisfaction Study. This means independent agents have great experience working with the company.
The National Association of Insurance Commissioners (NAIC) monitors complaints filed with state-level departments of insurance. Complaints filed against The Hartford are lower than the national average.
You can learn more about The Hartford in our in-depth review.
Founded more than 200 years ago, The Hartford has maintained a solid financial reputation. It is rated A+ (Superior) by AM Best.
Next: Best for Quick Quotes & Instant COIs
What We Like
- Easy-to-use website
- Policy package options
- Purchase policy online
- No 24/7 call center
- App: User-friendly app for your policy and claim needs
- COI: Available instantly for different venues
- Fast quote: Online and ability to purchase a policy
- Licensed agents: Available to advise you on your policy
As an insurtech company, Next Insurance has invested heavily in the digital experience and has a swift and easy-to-use quoting process. Within minutes you can get a quote and purchase a policy. If you have insurance, you can create and share a COI whenever a venue requests proof of insurance. Through its app and website, users have 24/7 access to their documents. However, if a problem cannot be resolved online, there is no 24/7 call center.
We received a quote for a liability policy general liability that costs $190 annually. If paying monthly, the first and last months were due at purchase, and then you’d owe 10 payments of $15.84. This price is in line with its published costs. According to Next, 99% of its policyholders pay $17 or less a month for photography liability insurance.
Unfortunately, it did not give us any option to insure our camera equipment. However, it does offer commercial property insurance. According to Next, 63% of its photographer customers pay $27 or less monthly for property insurance.
Despite its newness, Next is establishing itself with exceptional convenience. Online, you can manage your policy, get an instant COI, and file a claim. There is an app (for iOS and Android), which functions like a 24/7 call center.
Through the app, you can create and share a COI anywhere. This makes it ideal for photographers who shoot at regular events and need to either include an additional insured or show proof of insurance.
If you’d like to learn more about Next, check out our 2023 review.
Despite being founded in 2015, Next Insurance has an A- (Excellent) rating from AM Best.
Simply Business: Comparing Prices & Purchasing Your Policy Online
What We Like
- Comparison shopping
- Carrier information
- Same-day coverage
- No mobile app for commercial lines
- Cannot get commercial property quote online at this time
- Tailored coverage: For multiple different industries
- Online quote: The process is quick and simple
- Purchase policy: Online without speaking to anyone
- COI: Available instantly after purchasing a policy
Simply Business is an online business insurance brokerage offering customers the ability to compare quotes from top insurance providers and purchase a policy. Within minutes you can get a quote and purchase a policy without speaking to anyone. Comparing rates from different providers and assessing which coverage is available for what price is a great way for a photographer to find the right policy.
We received four quotes for general liability insurance. Each one carried the same limit: $1 million per occurrence and $2 million aggregate, along with additional coverages that are part of general liability, like damage to premises rented to you and product completed operations liability:
- $200 annually from Harborway Insurance
- $299 annually from RLI
- $347 annually from Hiscox
- $350 annually from Accredited
Two of the quotes, RLI and Hiscox, indicated additional coverage was available. This is most likely the coverage for your equipment, but the information wasn’t available without proceeding to purchase the policy.
You can also get quotes for other types of insurance, including workers’ comp and cyber liability.
Simply Business is licensed in all 50 states and Washington, D.C. It offers online account maintenance where you can access your policy documents and request a COI. It also has the information you need to file a claim.
Customer reviews are overall positive for it. There are more than 600 reviews on Trustpilot, with 4.7 out of 5 stars.
Unfortunately, it is not open on the weekend. If you want to speak with a licensed agent or someone to assist you, its hours are Monday through Friday, 8 a.m. to 8 p.m. ET.
While it works with top-rated carriers to provide quick insurance solutions, it is owned by Travelers. Travelers are rated A++ (Superior) by AM Best.
Get a Quote from Simply Business
Thimble: Best for Freelance Photographers
What We Like
- Annual or short-term coverage
- Customizable liability limits
- Affordable policies
- No in-house claims team
- No 24/7 call center
- App: Allows users to manage policy and claims easily
- Liability insurance: Short-term coverage available
- Instant COI: Available in 60 seconds
- Fast quote process: Get a quote and purchase a policy in minutes
Thimble Insurance gives users the option to purchase insurance by the hour, day, or extended time. If you are a freelance photographer or a photographer with a day job, this flexibility makes Thimble the best option for you.
Thimble is only available during weekdays and does not handle its claims, although its app can function in many ways, including as a 24/7 call center.
We received quotes for liability, property, and equipment the next day. The general liability carried $1 million in total coverage, and it had $25,000 in equipment and property coverage with a $500 deductible. It costs $480 annually.
The liability and property had multiple options to adjust the limits to fit your business. For example, you can select a liability limit of $300,000, $500,00, or $1 million.
Thimble is an insurtech with an iOS and Android app. You can get a quote, purchase a policy, manage the policy, and file a claim online or via the app.
This provider is a managing general agent (MGA), so it does not fall under the NAIC for complaints. However, Thimble has over 1,200 reviews on Trustpilot, with 4.6 out of 5 stars.
Most Thimble policies are written through Markel or National Specialty Insurance Company. Both are rated A (Excellent) by AM Best.
Full Frame: Best for Quick & Highly Affordable Coverage
What We Like
- Nationwide coverage
- Online experience
- Easy and quick quotes
- Does not handle claims
- No 24/7 call center
- Online services: Log in to manage your payments or file a claim
- Online quotes: Takes 10 minutes or less
- Affordable policy: Many packages available for your business
- Instant COI: Available online
Offering policy packages starting as low as $59 annually for event insurance or $129 annually for liability, Full Frame Insurance is the best provider for quick and highly affordable photography insurance. Sometimes you want a simple way to purchase insurance quickly. Full Frame offers a straightforward way to build coverage based on your needs, including equipment and professional liability. It has several policies to meet your photography or videography needs.
Unfortunately, it does not handle its claims, and while you have 24/7 access to your policy documents, it has no 24/7 call center.
If you just need short-term event insurance, it offers three-day event liability insurance that starts at $59. It comes with a limit of $1 million per occurrence and $2 million aggregate.
We received a quote for an annual policy that costs $271. This covered general liability and camera equipment. The gear limit provided was $5,000 per item and $30,000 aggregate. It had multiple levels of coverage for gear: going as low as $1,000 per item and $5,000 total coverage to as high as $15,000 per item and $75,000 total equipment coverage.
The liability for the quote had an aggregate liability limit of $2 million.
For $30, you can add unlimited additional insureds to any of the policies.
Using Full Frame is convenient. You can get a quote in under 10 minutes, purchase the policy, and manage your documents—all online. If you have a claim, you can email or call. While there is no 24/7 call center, you can call and speak with non-commission licensed agents.
If you need to provide proof of insurance, COIs are available instantly.
These policies are underwritten by Fortegra, which is rated A- (Excellent) by AM Best.
Hiscox: Best for Destination & Wildlife Photographers
What We Like
- Policies offered
- Exists for small businesses
- In-house claims
- BOP is not available in Alaska, Delaware, Florida, Kansas, Rhode Island, Washington, and West Virginia
- No dedicated 24/7 customer service line
- Account portal: Online access to manage your policy
- Additional Insureds: Others can be added easily to your COI
- Global coverage: For photographers traveling to shoots
- Online quotes: Available quickly
Most insurance companies limit coverage to a specific territory, usually the US and its territories—but Hiscox’s coverage is global. If you are a destination nature or wildlife photographer, Hiscox is the best provider for your business. Beyond its global coverage, you can get same-day coverage and manage your policy online.
However, it does not provide any mobile app for its policyholders and lacks a 24/7 call center.
We received two quotes. One was for professional liability and cost $400 annually. It had a total limit of $1 million with a deductible of $500.
The other quote was for a business owner’s policy (BOP) and cost $612 annually. Alternatively, you could pay the first and last month’s premium and then 10 monthly payments. The BOP had a general liability limit of $1 million per occurrence and $2 million aggregate, and the BOP carried $25,000 in property coverage with a $1,000 deductible.
Hiscox has payment options, from paying in full or an upfront payment and 10 monthly payments. There is no upcharge for paying monthly.
Another advantage is that Hiscox usually offers same-day coverage on its policies.
It also recognizes the reduced risks that come with a home-based business and factors that into its pricing by offering a potential discount for any home-based photographers.
You can get a quote and purchase a photography policy online. It has online account management, including instant COI, changes to your policy, and loss runs. You will need to call and speak with one of its licensed agents for some changes.
It even offers global coverage in its policies, which is unusual. The only catch is you will need to ensure you are in the US, a US territory, or Canada when you file the claim.
While historically, Hiscox has had higher-than-average complaints, the level has been dropping steadily, and it now has average-level complaints. For a deeper look at how Hiscox has been improving its customer service, check out our review of it.
Hiscox has the strong financial position you want to make sure your claims are paid. AM Best has rated it A (Excellent).
We determined which insurance companies would be the best for your photography business with our in-house proprietary evaluation system. In evaluating, we focused on the customer’s needs. We paid particular interest to convenience, financial ratings (AM Best), customer service, types of policies offered, and the overall experience as a policyholder for a specific provider.
Most people only care about insurance when they need it. We ensure that we are recommending something that, should that moment come, you’ll feel comfortable with when you make a purchase.
Frequently Asked Questions (FAQs)
Photography insurance is a combination of policies to protect your business and equipment. You will want first-party coverage (property) for your equipment and, if you own a studio, furniture, and the business itself. You will also want liability for any claims against your business.
Photography insurance costs can vary, ranging from $200 to $800 annually for liability. Inland marine, for your equipment, can range from $200 to $2,500. Professional liability is $400 to $800.
Liability insurance can provide coverage if someone is injured due to your work. Professional liability can help if, while developing pictures, you damage the only available copies of an event. Property insurance assists you if your equipment is stolen or broken by a named peril.
Photographers will want to consider property and liability insurance. From there, it will depend on the type of business and what fits your needs the most. A broker like CoverWallet is a good option here as the broker can help you determine the right coverages for your business needs.
As a photographer, you are often invited to special moments in people’s lives. Your clients will want to know that you have the right insurance if something goes wrong. The Hartford is our best overall provider of photography insurance and can provide the coverage you need. Get a quick online quote today.