Photographer Insurance
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Canopy & Photography Insurance
Insurance Canopy provides A+ rated Photographer Insurance. In just minutes, you can purchase coverage that will protect your business from exposures associated with the photography industry—no pun intended. We provide high quality insurance at an affordable price so you can shoot, frame, and hang with peace of mind
General Liability
It’s important to have general liability insurance, which can protect your business from paying out of pocket should your business operation ever injure a customer or cause property damage. Insurance Canopy’s Photography and Videography Insurance includes general liability coverage, so you’ll have a financial safety net in place should an accident ever occur.
Flexible Equipment Coverage
Photography equipment isn’t cheap. That’s why it’s important to cover your equipment in your insurance policy, especially if you frequently travel for your photography business. At Insurance Canopy, we have multiple camera equipment insurance options, so you are never paying for more coverage than you need.
Shoot With Confidence
Insurance Canopy’s Photographer Insurance does more than protect your business. It creates a safety net that can grant you peace of mind knowing that should something ever occur, you can have the assistance you need. With 24/7 to your policy, including printable proof of insurance and other documents, we remove the stress and burden of risk, allowing you to run your business with confidence.
Coverage Details Limits
General Liability Aggregate Limit
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage period as a result of your business operations. For example, someone getting injured after tripping over your extension cord.
$2,000,000
Products – Completed Operations Aggregate Limit (Annual Only)
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product or service you provide.
Included
Personal and Advertising Injury Limit
The amount your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or
- Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
General Each Occurrence Limit
The maximum the insurance carrier will pay for one individual bodily injury or property damage claim that you become legally obligated to pay due to your business operations.
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
Applies to damage by fire to premises rented to the insured for more than 7 days, and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Medical Expense Limit
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$ 5,000
Unlimited Additional Insureds
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, yourself, or other businesses you may own.
$30 for Annual and $5 for Event
Equipment and Gear Coverage
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. equipment, inventory) but excludes coverage for structures and items that are a permanent part of the structure.
$2,000 policy year
+$7.50/month
$5,000 policy year
+$15/month
Deductible
$250
Cyber Liability Coverage
The maximum amount paid out in the case of a cyber attack on your business. Pays for things like credit monitoring for impacted parties and regulatory fines and penalties.
$100,000 policy year
+$8.25/month
$250,000 policy year
+$12.50/month
Deductible
The amount deducted from a claim before paying up to your policy limits.
$1,000
Drone Coverage
+$500
Annual Policy – 365 Days Covered
From $12/month
Event Policy – 1-3 Days Covered
From $59 per event
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Annual Policy: Starting at $129 – Get the protection your business needs today with Insurance Canopy’s Photographer Insurance. Rest easy knowing your business has a comprehensive financial safety net including general liability, business personal property coverage, and more according to your business needs.
What You Get
- General Liability: covers expenses from third-party insurance claims that come from injuries or damages that occurred at your business location or as a result of your business equipment or operations.
- Product Liability: covers expenses, such as legal fees, that arise as a result of someone getting sick or injured by the product you sold them.
- Business Personal Property: covers expenses that arise from your business personal property or equipment, like a computer, being damaged or stolen as a result of or during your business operation.
- Additional Insureds: covers the event or venue so it is not held liable should an accident occur. It is often required for vendors to cover events as additional insureds. $15 to add one and $30 to add unlimited.
Need More Coverage?
- Professional Liability ($125): protects against third-party claims as a result of errors or omissions that occurred during a lesson or demonstration. If you teach lessons to do demonstrations, we recommend having this coverage.
- Cyber Liability ($99): covers expenses that arise from cyber crime, like stolen data or customer information. If you collect or store data electronically, we highly recommend this coverage.
- Workers Compensation: If you have employees, you may want to consider workers compensation, which covers medical fees and loss of income as a result of injury during business operations.
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- Apply online in 10 minutes or less
- Get immediate, same-day coverage
- Get instant access to your policy
- Receive A+ rated coverage
- Access your online dashboard 24/7 to make changes to your policy, download your certificate of insurance, or add additional insureds
Questions About Photographer Insurance
What is Photographer Insurance?
Photographer Insurance can protect your business from paying out of pocket for insurance claims that may arise as a result of your business operations—like injuries, equipment loss, or property damage that takes place during a photo shoot.
Without insurance, your photography business could be held liable and required to cover hefty legal, medical, or equipment expenses. Our policy includes general liability and product liability coverage. Additional insurance options ensure that no matter your business operation, you can have the coverage you need.
Why Do I Need Photographer Insurance?
Photographer insurance can protect your business from expenses that come from injury, property damage, and broken or stolen property as a result of your business operation. Without insurance, these expenses could be financially crippling and even cost you your business.
As a photographer, you work intimately with other people, so it is vitally important to protect your business from out-of-pocket expenses should injury or other damages occur as a result of your business.
What is an Additional Insured for Photographers?
Many events and venues require you to add them as an additional insured, which extends your insurance coverage to them. This prevents the event or venue from being held liable should an accident occur as a result of your business operation. If you ever participate in an event or do a photoshoot at a particular venue, you may be required to include them as an additional insured on your policy.
Insurance Canopy’s Photographer Insurance policy allows you to include additional insureds for a small extra cost depending on the coverage you need. For event policies, you can include unlimited additional insured for $5 per addition. For annual policies, you may include one additional insured for $15 or unlimited additional insureds for $30.
How Much is Photographer Insurance?
Photographer Insurance starts at $129 a year for up to $2 million coverage in general liability as well as business personal property coverage.
For additional cost, you can add protection such as increased equipment coverage for your camera gear, professional liability insurance if you teach lessons, or cyber liability coverage which can protect your business from the expenses that arise should your business fall victim to cyber crime.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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