Why do I need a Photographer Insurance policy?

The heartbeat of photography is creativity. You’re an artist, applying your innate eye and technicality to capture moments and preserve memories for your clients. But running a creative business is still running a business, and it’s imperative that you set up structures in order to protect you individually and your company.

Enter Thimble’s Insurance for Photographers.

From the high-profile clients, hustle and bustle, to the very nature of the creative industry, things can (and do) go wrong. But your business should be treated the same way you treat your clients: with the utmost care and diligence.

If you’ve been a photographer for any amount of time, you know that anything that can go wrong will go wrong. Photographer Insurance can protect you from the costs associated with negligence, misrepresentation, mistakes made on the job, and any breach of contract.

At the end of the day, your practice lives within a creative industry, where the unexpected is expected. For this reason, every photographer needs general liability insurance and professional liability insurance. The former protects against injury and property damage on the jobsite, the latter against claims made by any malicious client.

With Thimble’s Photographer Insurance, you can rest assured knowing your business’ risks have been mitigated.

How much does Photographer Insurance cost?

Thimble’s Photography Insurance policy rate is based on the amount of risk associated with your business. Factors that contribute to pricing include the size of your crew, your specific location, and the duration and amount of coverage you need. Our insurance is the most affordable because we tailor the length of the policy only to what is needed. You can pay by the hour, day, or the month. Additionally, you can add other Insureds and receive as many Certificates of Insurance as you’d like—completely free of charge.

Get a Quote

Protect your photography business with flexible, affordable, on-demand or monthly policies from Thimble. Get your free Photography Insurance quote now.

What is covered under the Photographer Liability Insurance policy?

Thimble’s Photography Insurance—General Liability Policy and Professional Liability Insurance Policy—is structured to protect Photographers and Videographers from the below:

Bodily Injury
Say you’re on a busy, chaotic, and scattered set. An accident occurs in which your equipment is knocked over and falls on a client or bystander. They now expect you to cover their medical costs, which could be thousands of dollars.

3rd Party Property Damage
You and your videographers have been hired to do a shoot for a real estate company that wants pictures of a home they are listing. As you try and capture the perfect exterior shot, you fall and drop your camera on one of the cars in the driveway, and now the client expects you to pay for the damages.

Defense Costs
You’re shooting in a crowded urban area. Weeks after you wrap the shoot, the client discovers that they can’t use the photograph because random bystanders are in the shot and didn’t sign a release. They then sue you, because the photos from the shoot were not edited to account for that, and you need to hire a legal team to appear in court.

Medical Coverage
You ask your model to step up onto a nearby ledge for the perfect shot. As the model is stepping down, they slip on accident and sprain their ankle. This person then sues you to cover all of their medical costs (not a great look).

Errors & Omissions
Having created and thoroughly reviewed a contract, a bit of confusing language around the deliverable was missed. Your client expected 100 fully-edited photographs delivered. They feel this was communicated flawlessly. You did deliver 100 finals, but only 50 of them are retouched. They then sue for negligence.

How quickly can I get a Photography Insurance policy & a Certificate of Insurance?

You can get your ACORD Certificate of Insurance in less than 60 seconds. Simply follow a few steps, select an insurance policy, make the purchase, and the COI will appear in your inbox automatically.

Did a wedding photographer drop out and you’re filling in last minute? The event manager is going to want to ensure you’re covered. That’s why we’re here. Thimble provides fast, flexible, and affordable coverage you can send their way in minutes.

The “works when you do” means you only pay for what you need, and it also allows you to generate and download your COI prior to the insurance becoming effective. Get as many COIs as you’d like for free, and make any changes to policy through the Thimble mobile app in (wait for it) a flash.

What are the Photography Insurance Policy Limits?

Depending on the coverage required and the scale of your business, you can choose a policy limit of $1,000,000 or $2,000,000. The policy chosen directly correlates to the amount of risk inherent to your business or specific event, and if you invest a little more in a higher policy limit, you could save yourself an additional $1,000,000 in out-of-pocket costs in the future.

Are workplace injuries of my staff covered?

No, workplace injuries for your staff are not covered under a general liability policy. Should you want to ensure protection for your employees, you need to purchase a workers compensation policy. Otherwise, you are only protected for injuries that occur to third parties, such as talent or other crew on a shoot.

Does Thimble’s Photographer Insurance cover damage to my equipment?

No, general Liability Photographer Insurance does not cover damage to the equipment you’ve purchased or rented. Should you want to protect your camera equipment, we recommend you purchase a commercial property policy that can be classified as “equipment insurance.”

How do I get Photographer Insurance with Thimble?

Thimble allows you to insure your photography practice from possible risks within minutes. Simply provide us with your zip code, a few details about your company, the length of policy needed (hourly, daily, or monthly), and we’ll generate a quote instantly. Photographer Insurance has never been quicker or more affordable. Purchase a policy now and you’ll receive your COI instantly.

Do this all from Thimble’s easy-to-use app that you can download to your smartphone and purchase on the go.

Have questions? Visit our FAQ