Business insurance for photographers

Protect your photography business and assets with insurance that’s picture-perfect.

Why you need insurance for photographers

Whatever kind of photography you specialize in – weddings, family, advertising, or studio – you’re exposed to certain risks. Let State Farm® help you build an insurance policy that protects your photography business and its assets while you focus on making your clients look great.

  • Your cameras, lenses, lighting, and other equipment are expensive, but they’re not exceptionally sturdy. What would happen to your business if one of your most-used pieces of photography equipment was damaged or stolen?
  • Shipping companies can be super-careful. Just not with your stuff. And the insurance they carry generally protects them, not you.
  • Backdrops, cables, lights, tripods, and other equipment can be dangerous. You could be responsible for the medical bills if someone is hurt by your gear.

Photographer insurance coverages include

We’ll start with a package of coverages most photographers need. Then we’ll help you customize it to fit your unique business. The result? A policy that keeps you covered at a surprisingly great rate.
  • Property insurance helps protect your building and furnishings if you own or rent business space for your photography operations.
  • Commercial Articles insurance helps cover your cameras, lenses, flashes, and other photographic equipment if it’s stolen or damaged in a covered incident, even when you travel offsite. Kind of like an assistant who’s always there and never drops things.
  • General liability helps pay your legal expenses if you’re responsible for someone getting hurt in your studio or if you damage someone else’s property during a shoot.
  • Loss-of-income insurance helps you make ends meet if your business can’t operate due to a covered claim.
  • Hired auto might make sense, too, if you occasionally rent cars while traveling to photo shoots far from your base of operations.

Consider adding additional coverages

Some photography businesses need additional coverage to deal with increased risk. Not a problem because your State Farm agent will work with you to understand and help meet your needs.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Life insurance, group life, and buy-sell

Life insurance, group life, and buy-sell agreements often make sense for photo studios with two or more partners.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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