As a freelance photographer, you need insurance to protect your business. This includes general liability insurance to cover costs if an accident happens on-site. It also includes property insurance to cover your valuable equipment. Professional indemnity insurance protects you if a client sues you over your work. Employers’ liability insurance is required by law if you have staff. Insurance policies bundle different coverages. For example, business owners policies include both general liability and equipment insurance. Rates vary based on your coverage needs.
Do You Need Insurance as a Freelancer?
Insurance protects a photographer’s business. Insurance policies bundle different coverages into one policy.
Types of Insurance Required
Photographers need several types of insurance:
- General Liability Insurance: To cover injury or property damage costs.
- Equipment Insurance: To cover photography gear.
- Professional Liability Insurance: Protection if a client sues over work.
- Employers’ Liability Insurance: Required by law for photographers with staff.
Bundle Policies and Rates
Insurance companies offer bundled policies. These combine types of coverage into one policy. Rates vary based on a photographer’s specific needs.