Most photographers should consider:
- General Liability Insurance – covers third-party bodily injury (e.g., someone trips on your tripod) and property damage.
- Professional Liability (E & O) – protects against client claims like lost photos, missed shots, or unsatisfactory work.
- Equipment Insurance (Inland Marine) – provides coverage for your cameras, lenses, lights, and gear—on-location or in transit.
- Commercial Property Insurance – protects studio space and fixed equipment from events like fire or theft.
- Commercial Auto Insurance – required if you use a vehicle for photo shoots or equipment transport.
- Workers’ Compensation Insurance – legally required in most states if you have employees or assistants.
- Cyber Liability Insurance – important if you store client images or sensitive data digitally.
