Beginners Guide

How to Get Photography Insurance in 2023

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How to Get Photography Insurance in 2023

There are only a few things you need to know about how to get photography insurance. You’ll be able to do everything you need to in just a few minutes by following the directions in this article.

If you want to see how much photography insurance might cost you, then click here to get a FREE quote from Hiscox Insurance. If you want more information first, read on.

Table of Contents

How to Get Photography Insurance For Your Equipment

The main reason that people get photography insurance is to make sure that the cost of their gear is covered incase anything were to break, be lost, or get stolen. This isn’t surprising since photography gear tends to be quite expensive.

You’re going to have to make a list of all the equipment that you want covered and the replacement cost of said equipment. The replacement cost is equivalent to what the piece of gear would cost today brand new.

For example, say you want your Nikon D850 covered by insurance. Even if your Nikon D850 is 3 years old, you would perform a quick search on Nikon’s site to see what the price of a new D850 is, then attach that price to your D850 on your equipment list.

You’ll repeat this process for each piece of equipment you want insured. You don’t need to insure all of you equipment, but generally speaking, it’s really not that expensive to insure all your gear. Personally, I have every piece of equipment I own insured.

Decide on Liability Coverage: Insurance for Photography Business

Next you’ll need to decide if you want any sort of liability coverage. Many larger clients of mine require that I carry a general liability coverage plan, so I’ve personally had one for a number of years.

If you plan to work with larger clients (think large companies rather than individual clients) you’re going to need liability coverage eventually. It’s also just a good idea to have incase anything were to go seriously wrong while you were on a job.

Liability coverage can cover you for everything from getting hurt on the job to accidentally breaking something extremely expensive. You don’t want to be on the hook for that absurdly expensive vase you knocked off the mantel as you were lining up the perfect shot.

Recommendations on How to Get Photography Insurance

It’s a good idea to both insure your gear and take out a general liability coverage policy. If you’re still on the fence about whether or not you need photography insurance, check out this article: Do I Need Insurance For My Photography Business?

If you’ve come to the correct conclusion that you do need photography insurance, then I would highly recommend Hiscox Insurance. They have a plan tailored specifically to photographers and have worked with photographers for years. You can receive a FREE Quote from Hiscox by clicking here.

Additional Information

If you want to learn more about how to get photography insurance, you can check out this article on the subject: The Best Business Insurance for Photographers

Be sure to check out our Beginners Guide. It’s full of articles with helpful ideas and tips exactly like this one. Our Business Resources page has all the resources you’ll need to get your Real Estate Photography business started on the right path.

Finally, go check out our Gear page to get up-to-date reviews and recommendations on todays best gear for Real Estate Photography.

Frequently Asked Questions

How much does it cost for photography insurance?

The price of insurance depends on what type of insurance you want and how much gear you want insured. Get a free quote from Hiscox Insurance to see prices and to learn how to get photography insurance.

Do freelance photographers need insurance?

Generally, you don’t need insurance, but many companies and possible clients will require you to have limited liability coverage. You should also have insurance to cover the cost of your gear.

What is photographer liability insurance?

From Hiscox Insurance’s website: “Liability insurance for photographers covers damages due to alleged failure to provide contracted services or providing them incorrectly.”

How do I start a small photography business?

Check out this article that covers the answer to that questions: 7 Steps for How to Start a Photography Business

How to Get Photography Insurance
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About author
Matthew Digati is a professional Real Estate and Architectural Photographer. Matthew has worked as a Real Estate and Architectural Photographer since 2015 and has photographed properties and projects all over the United States.
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