• Business property insurance to cover your studio. Insure it at least up to the value of the structure. You may need additional contents insurance to protect the equipment and furnishings.
• Business liability insurance to cover the risks of claims made against you. Mistakes can happen, such as someone getting hurt during a photo shoot. Business insurance can minimize those risks.
• Business income coverage for instances when your business must close. This may include times when a fire or theft leaves you unable to do the work you need to do.
• Commercial auto insurance for those who travel from one location to the next. This can importantly provide protection for your valuable photography equipment during offsite events.
• Errors and omissions liability coverage to extend your liability protections. Claims made against the leaders of your business, such as for providing poor service, have protection.
• Workers’ compensation for any photographers working with you. If you employ others, you may have to maintain this plan to cover worker injury or illness.
• Employee dishonesty coverage if you have employees. If a customer claims an employee stole money or their identification, this policy can provide coverage to you. 

Depending on the scale of your business, a business owner policy may help you. It can bundle together many of the most common forms of business insurance into a single policy. This process can help you have the coverage you need as a photographer without the high costs. Ask your agent if a general business owner policy is right for your business. 

The Insurancenter has your business insurance needs in mind. Call us at 800-444-8675 for more information.