Whether you’re shooting weddings, portraits, or commercial projects, you put your time, skill, and creativity into every image. With photographer insurance from Berxi, you can protect your business and your gear — and get flexible coverage that fits the way you work.
Photographer insurance is coverage designed to protect you and your business from common financial risks. It typically includes:
The reality is that a single claim or equipment loss can cost far more than what you’d pay for photographer liability insurance coverage in a year. With the right insurance policy in place, you can spend less time worrying about “what if” scenarios and more time focusing on your craft, your clients, and growing your business.
Whether you’re a full-time photographer or do photography work on the side, insurance helps protect you from lawsuits, meet venue requirements, and recover from lost or damaged equipment.
Even the most careful photographers can run into unexpected situations, and Berxi’s photographer insurance helps protect you from:
Third-Party Bodily Injuries
While shooting at an event or on location, someone could trip over your equipment and get injured.
Property Damage
You could accidentally damage a client’s personal property or a venue’s décor during a shoot.
Personal Injury & Advertising Lawsuits
A marketing misstep could lead to a claim of reputational harm or copyright infringement in your advertising.
Damaged Equipment
Your photography gear could be damaged and need to be repaired or replaced.
Photographer liability insurance is designed for anyone working in photography who interacts with clients in person, brings gear on-site, or works in venues, studios, or public spaces, all of which expose photographers to potential accidents, property damage, and legal claims.
Photographer insurance is essential for:
Berxi’s customized photographer insurance is designed to protect you from the real-world risks you face on the job — from third-party bodily injuries and property damage to damaged cameras and equipment.
General liability insurance helps cover claims of third-party bodily injury and property damage related to your photography work, as well as personal and advertising injury, including things like libel, slander, and copyright infringement in your advertising.
Examples include:
You can also add optional business personal property (BPP) coverage to your Berxi general liability policy to help protect the equipment you rely on — like cameras, lenses, lighting gear, and editing tools — if it’s damaged.
Examples include:
Berxi’s policies are built with photographers and small studios in mind. Key benefits include:
If a customer or visitor is injured at a job site or your place of business — for instance, by slipping and falling — your general liability policy can help cover their medical bills.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as privacy invasion and copyright infringement in your advertising.
If your photography business is sued for a general liability claim (like bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your photography business will be protected from general liability claims resulting from employee actions: if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional add-on, which can help pay for damage or loss of your equipment, computers, inventory, furnishings, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can choose to add workers’ compensation and cyber liability coverage from one of our trusted partners by speaking with our in-house customer support team.
Berxi’s general liability insurance for photography businesses starts at just $250/year.
Your annual premium will depend on a few different factors, including:
Because we have no hidden costs or interest fees, photographers who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for photographer liability insurance is to get a quote.
Also known as professional liability insurance, errors and omissions (E&O) insurance protects photographers against claims that a mistake or negligence in their services led to a financial loss for a client. E&O insurance coverage includes things like missed deadlines, breaches of contract, errors in editing, and more. Learn more about Berxi errors and omissions insurance.
If you collect sensitive client information, process payments online, or use an online booking system, you could be at risk of a data breach or cyberattack. If that happens, cyber liability insurance can help cover the costs of notifying clients, legal fees, credit monitoring services, and even reputational damage. You can add optional cyber coverage from one of our trusted partners to your Berxi general liability policy.
Workers’ comp insurance is required by law in almost all states if you have employees. It covers medical care and lost wages if employees are injured on the job. You can add workers’ comp coverage from one of our trusted partners to your Berxi general liability policy.
If you regularly drive to events, client shoots, or different locations with your gear, your personal auto policy may not cover you in an accident while using your vehicle for business. A commercial auto policy can help protect you from out-of-pocket costs for injuries, vehicle damage, and liability if something goes wrong on the road.
With a financial strength rating of A++ from AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, add additional insureds, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your photography work, including where you work, your business details, and your coverage needs. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, add additional insureds, or file claims — right from your phone or computer.
“Berxi is hands down the most accessible and helpful insurance company I have ever worked with.”
— Shannon
“The quoting process was easy, and the price is better than anywhere I’ve found!”
— Jeremy
“Helpful, rapid, and responsive service. They patiently and courteously helped me through the nuances of all my questions!”
— Catherine
If you shoot professionally, even if it’s only on occasion, you can still face risks like client injuries, property damage, or disputes. Insurance helps protect you financially, no matter how often you work. However, if you’re strictly a hobbyist photographer and you don’t profit from your photography, you likely don’t need liability insurance.
Berxi’s general liability insurance for photographers starts at just $250/year. In fact, because we have no hidden costs or interest fees, photographers who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for photographer liability insurance is to get a quote.
Yes, you can protect your cameras, equipment, and other business assets from damage with Berxi’s business personal property (BPP) coverage. Just add the optional BPP endorsement to your general liability policy, and your policy can help pay for repairs or replacement if your equipment is damaged.
Berxi does not offer single-day/single-event photography insurance. You can purchase a one-year policy starting at $250/year.
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