Wedding photographers capture some of life’s most special moments. You likely shoot a couple's engagement, grooms dinner, the wedding ceremony, the reception—and everything in-between. While a wedding photographer typically has a low-risk job, there are some unforeseen circumstances you might face.
What is Wedding Photographer Insurance?
Insurance for a wedding photographer can be as simple as a general liability insurance policy or as expansive as a comprehensive photography insurance package with equipment insurance, professional liability, and business interruption coverage. Insurance for a photographer can be offered for a one-time event or an annual policy. If you own a wedding photography business you can’t risk not having insurance.
Insurance Coverages a Wedding Photographer should Consider
There are a few policies a professional photographer should consider to protect their business:
Some insurance companies will provide a business owners policy (BOP) for a small photography business. It can often be more affordable than purchasing each individual policy.
Why does a Wedding Photographer Need Insurance?
Some wedding venues require all vendors—including photographers—obtain general liability coverage at a minimum. A general liability policy covers third-party bodily injury, third-party property damage, and personal/advertising injury. Why would a photographer need that policy?
Example #1: You are looking for the perfect angle for a shot of the wedding ceremony. Sometimes, this means climbing places you wouldn’t otherwise go. To get a better vantage point, you’re leaning over a railing—which breaks beneath you. You somehow manage to catch yourself and remain unscathed. But the railing falls and damages some of the wedding gifts. Your general liability insurance can help replace the damaged gifts and repair the property damage to the venue.
Example #2: The happy couple asks you to set up a photo booth for their reception. You create your own makeshift booth with a backdrop and professional lighting and your camera is set up on a tripod. One of the wedding guests gets carried away with the props and gets caught up in the backdrop, pulling the whole thing down around her. Unfortunately, the structure hits her on the head and she requires medical attention. Your liability insurance can help cover her medical costs.
In either of these instances, you could’ve been sued for negligence. What would you have done? Most photographers don’t have enough of a nest-egg to foot the bill for expensive legal costs and settlements.
How Much Does Wedding Photography Insurance Cost?
The cost of an insurance policy for wedding photographers varies depending on multiple factors:
- Are you choosing annual insurance or event coverage?
- Are you the only photographer or do you have a second shooter?
- Are you opting for a simple liability policy or a comprehensive package?
- What coverage limits and deductibles do you prefer?
- How many weddings do you shoot per year?
One-time event insurance can cost as low as $59–$100 (add $15 for each additional insured). A comprehensive annual photography insurance package can start as low as $99 a year but usually averages around $425. Comprehensive equipment insurance can often be an additional cost, so make sure to speak with an agent about your policy options.
Get a Free Wedding Photography Business Insurance Quote
Wedding photography is an art. Let us help you find the right policy to protect your livelihood. Complete the form at the top of the page for a free photography insurance quote. Or, give us a call at 1-877-907-5267 to speak directly with an agent.
Related Articles: Event Insurance, Photography Insurance, General Liability Insurance