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5 Best One-Day Photographer Insurance Companies

One-day photographer insurance refers to a general liability insurance policy that covers the photographer’s liability for 24 hours, which is usually the day of the event where the photographer works.

This coverage protects against personal injury and property damage resulting from third-party incidents and lasts only one day or 24 hours. This particular insurance plan is best suited for photographers that do not get jobs frequently. For instance, you are a freelance photographer with irregular schedules. Full-year insurance may not make sense since you do not get jobs all year round.

Also, consider a situation where you only take pictures as a hobby. However, your friend insists that you take pictures at their birthday party. Instead of buying full-year insurance, you can buy a one-day plan and use it for your friend’s birthday.   

In this piece, we will consider the best companies that offer this policy and other important things you need to know about the policy. 

5 best one-day photographer insurance companies

Many insurance companies offer photographer insurance. However, only 2 companies that we have found in our research offer true one-day coverage for photographers: InsurePro and Thimble. While InsurePro is an insurance broker, Thimble is a carrier. They both offer one-day coverage for many professionals, including the photographers.

In addition to these 2 carriers, we also recommend another 3 companies that offer great and affordable coverage for photographers. These 3 companies do not offer one-day coverage. However, their standard policies are affordable that you should consider.

  • InsurePro: Best broker to find low-cost one-day photographer insurance coverage
  • Thimble: Best carrier for one-day coverage
  • Simply Business: Best for comparing several quotes to find cheap coverage
  • CoverWallet: Best for compare quotes from top-rated carriers
  • NEXT: Best for discounts

InsurePro: Best broker to find low-cost one-day photographer insurance coverage

InsurePro is the only small business insurance broker specializing in providing on-demand short-term coverage. InsurePro makes it super easy for you to compare several quotes from 20+ carriers to find the cheapest one. If you are looking for cheap one-day photographer insurance coverage, you should start with InsurePro.

However, if you need to submit a claim, it will direct you to the insurer so you can handle issues from their end. 

Pros 

  • Easy to compare one-day quotes from more than 20 carriers to find the cheapest one
  • Quotes are ready in 10 minutes
  • Support services available
  • Simple, easy-to-use interface 
  • Certificate of insurance available on request 

Cons 

  • You have to visit your insurer to make claims
  • InsurePro is a relatively new company   

Thimble: Best carrier for one-day coverage

Thimble is a relatively new insurance company that started in 2016. Their commercial insurance coverage is issued by independent insurance providers, including Global Aerospace, Inc. and Markel Insurance Company, amongst others.

Their photography insurance solution is unlike any other on the market since it gives customers the option to acquire coverage for a single day or just when it’s required. You can add additional insureds at no expense under any of their policies.

Pros

  • Full protection and coverage
  • Flexible coverage options
  • Affordable plans 
  • Easy-to-use platform
  • You can stop or terminate your coverage whenever you wish.

Cons

  • There is no protection for photographic studios
  • A relatively new company without a robust record of paying claims

Simply Business: Best for comparing several quotes to find cheap insurance  

Simply Business is an online insurance broker specializing in helping small businesses find low-cost coverage from the insurance partners that they work with. The main focus of their operations is to help find cheap coverage for small businesses.

Simply Business provides a straightforward online application process that can be completed in a short amount of time so that you can obtain coverage when you need it. It shouldn’t take more than 10 minutes to obtain quotes on Simply Business’s website.

Pros

  • Easy to compare several quotes to find low-cost coverage
  • Tailored quotes from multiple companies
  • Simple straightforward process 
  • May help you find discounts 

Cons 

  • Quotes are only available from carriers that they work with
  • In some cases, online quotes are not available

CoverWallet: Best broker to compare several quotes from top-rated carriers

CoverWallet is an insurance broker that sells customized photography insurance policies its partners offer. You may get insurance coverage quickly using their internet platform. They only partner with the top-rated carriers. The quotes from their platform may be a bit more expensive than others, but they are all from the best and most reputable carriers.

The company’s specialized insurance for photographers provides coverage for general liability, professional liability, commercial property, and other types of business insurance plans. 

CoverWallet allows you to terminate insurance anytime and add more insureds without incurring additional costs. It also has a platform for comparing quotations online, so you can see how its prices compare to those of other businesses that provide insurance for photographers.

Pros

  • Compare several photography insurance policies to get the one that best suits your needs.
  • Easy-to-use platform 
  • Get quotes and purchase insurance online.
  • Protection against terrorism is included in the photographer’s insurance.

Cons

  • Offers third-party insurance policies 
  • In some cases, quotes are not available online

NEXT: Best for discounts 

Photographers can obtain specialized general liability, workers’ compensation, commercial vehicle, and commercial property insurance policies from NEXT insurance. If you opt to be insured with two or more insurance policies, you may obtain a discount of 10%. In addition, the provider will provide you with a live certificate of insurance that you may share by e-mail, text message, or post on social media.

Pros

  • Discounts are available 
  • You can obtain an insurance certificate.
  • Quotes are generated online 
  • You may add new insureds at any time and online at no extra cost.

Cons

  • A relatively new company without a robust track record

What does one-day photography insurance cover?

One-day photography Insurance covers photographers in the event of third-party bodily injuries, property damage, personal and advertising injury, and professional errors and omissions on the job. 

This insurance is part of a larger package that includes general liability and professional liability insurance. For proper understanding, here are examples:

What does photographer general liability insurance cover?

Photographer general liability insurance provide the following coverage:

Third-party injuries/physical harm

Let’s pretend you’re working on a really hectic and disorganized set. A customer or bystander slips and gets hurt due to the clumsy arrangement of your tools on the ground. The injured person could ask you to pay thousands of dollars in medical bills. In such a situation, your one-day photography insurance can help cover the cost of their medical bills. 

Property damage 

Imagine someone hired you to take professional photos of a house they sell.  So, you and your crew are going on location to capture it. You’re trying to get the perfect picture angle when you mistakenly hit one of the glass tables in the living room, damaging it beyond repair. The client now wants you to pay to get it fixed. Your one-day photography insurance should cover the replacement of the table.

Harm to reputation 

For instance, you’re filming in a busy city during the day. After taking pictures the whole day, your customer discovers they can’t use the photos because some people appear in the background, and you might need to sign a release. 

They subsequently filed a lawsuit against you since the images from the session were not altered to remove the offending content. Your one-day photography insurance may provide the needed legal representation to address their claims.

Learn more at the best photographer general liability insurance companies

Professional liability insurance or Errors and Omissions (E&O)

You had a contract with a couple for their wedding. Although you wrote and vetted the contract extensively, some ambiguous wording about the delivery slipped through. 

You promised to deliver perfectly edited pictures after a week after their wedding. In their opinion, the message was delivered perfectly. Though you promised 100 perfect pictures, only 50 were edited when you sent them along. The couple decides to file a negligence suit. Your one-day photographer’s insurance might cover you in this regard. 

Learn more at the best professional liability insurance companies

Additional commercial insurance policies for photographers

One-day insurance for photographers typically protects your company against claims of bodily injury, property damage, and personal injury by third parties. However, depending on the size of your photography business, your equipment or crew members may also need protection. 

The following are a few additional insurance coverages and how they could apply to your company, considering the size and type of your company.

Business equipment insurance 

The Business Equipment Protection policy is a sort of first-party insurance. While general liability insurance protects you against third-party property damage, this policy provides coverage for business equipment you own, hire, or borrow that is used in running your business. Some insurers that cater to the needs of small businesses refer to it as inland marine insurance.

Worker’s compensation insurance 

Workers’ compensation is insurance that, among other benefits, pays for medical expenses and lost wages incurred by an employer due to an employee’s sickness or injury sustained on the job. Because your staff is your most significant asset, you must safeguard your company and your team. In addition, the policy is compulsory for companies that employ workers in most states of the US.

Learn more at the best workers comp insurance companies

Business Owners Policy (BOP)

A business owner’s policy, sometimes known as a “BOP,” provides the coverage that most photographers need in a convenient all-in-one package. This policy focuses on two primary areas: general liability insurance and commercial property insurance.

How much does one-day photography insurance cost?

In general, the average cost of one-day photographer insurance is between $25 to $55. This is for a $1M general liability insurance policy.

The price of photography insurance varies widely depending on the state in which you live and the kind of coverage you need. You may spend more depending on your company size and other variables.

The only way to find the cheapest quote for one-day photographer coverage is to compare several quotes. Working with a broker like InsurePro, Simply Business, or CoverWallet is a good way to compare several quotes.

Learn more at the how much does photographer insurance cost

What factors affect the cost of one-day photography insurance?

The following is a list of some of the factors that might affect your overall costs:

The cost of your equipment 

If you have expensive gear, you will need more money to insure it. 

Your revenue 

Revenue refers to the money you generate from your photography services, either via your company or as a freelancer revenue. Usually, the higher the income you generate, the higher the cost of your insurance. 

Location 

Your insurer will like to know where you will be doing your one-day job. If you have the event in a place where you will meet many people, your insurance will be higher. The more your business interacts with people, the more the possibility of lawsuits.  

Employees 

If you have any workers at all, how many do you have? The more workers you have, the more your chances of having claims. As such, your policy’s premiums will increase with more staff. 

Policy type 

Insurers allow policyholders to customize their plans by choosing policy limits and deductibles. Your policy limit is how much your insurer is willing to pay for an incident.  A policy with a large limit offers more protection at a higher price. 

The deductible, however, is how much you are willing to pay if an incident occurs. So, a policy with a small deductible will offer less protection but at a reduced price.   

You can also extend your coverage by buying additional policies to what you already have. Of course, that will come at an extra cost. 

How to find cheap one-day photography insurance?  

The following are some things you can do to reduce the cost of your one-day photography insurance:

Consider your insurance needs

When it comes to insurance, no two companies have the exact needs. Buying a policy you do not need will only lead to a waste of money. So, before you pay, ensure you only purchase a policy you genuinely need. Consider all the risks involved with your job and see the policies that offer enough protection against such risks. 

Look for the best deal 

The truth is some companies offer one-day photography insurance at reasonable prices. However, you will need to take some time to find them. So, before you pay, ensure you have the best deal available. 

Wedding photographer insurance

Many photographers specialize in weddings. Many wedding photographers may not work full-time. They may work occasionally sporadically throughout the year. For these photographers, getting one-day photographger insurance whenever they work may be necessary.

Learn more at the best wedding photographer insurance companies

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