Snapping photos isn’t always the most dangerous career path, but certain variables will require a slightly higher premium:
Location – Where your photography business is based will change how much you pay for insurance.
Crew size – If you’re operating a small unit of camera-clad warriors, you’ll pay higher rates to insure each member of the team in case you or one of your employees has a work-related accident involving a third party.
Coverage limits – The amount of insurance you need impacts what you pay for photography insurance. A higher limit will cost extra, but it could also save you an additional million dollars or more in damages, especially if you’re working on large or riskier projects
When purchasing photographer insurance through Thimble, choose between a $1 million and $2 million liability coverage limit. According to the coverage limits for professionals in the event and entertainment industry, 87% chose the $1 million coverage limit.
Photographers should also purchase separate coverage for their gear, which has different limits.
For your equipment, Thimble offers coverage limits of $1,000 or $2,500, both with a $500 deductible. As cameras and lenses can be expensive, we also offer an optional added protection for up to two individual $2,500+ items.
Coverage duration – The length of coverage determines how much your insurance costs and impacts your business expenses.
Because photography is usually a gig-based industry, with Thimble, you have the option to purchase insurance coverage for only the jobs and shoots you’re working, rather than the entire year. Need coverage for a few hours or a few days? No problem. Photography Insurance arranged by Thimble can be purchased by the hour, day, week, or month.