How much does insurance cost for photography studios?

Photography studio owners pay a median premium of $27 per month, or $322 annually, for general liability insurance. This policy provides protection for photography professionals against third-party property damage and injuries, along with advertising injury.

Insureon recommends purchasing a business owner’s policy for more complete coverage versus a standalone general liability policy that could leave you at risk.

Median cost per year: $322
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.

A business owner’s policy usually costs photography studios $42 per month, or a median annual premium of $505.

A BOP bundles general liability and property insurance at a discounted rate. Your business property value and photography services will partially dictate pricing. This policy may include business interruption insurance, which covers lost income due to an unexpected business closure.

Median cost per year: $505
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.

Photography studio owners pay a median of about $33 per month, or $400 annually, for professional liability insurance. The price depends on the photography services you offer and other key factors.

Also known as errors and omissions insurance, this policy protects photo studios against the cost of client lawsuits claiming that work was unsatisfactory, negligent, late, or never completed.

Median cost per year: $400
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's professional liability insurance cost analysis page.

Required in most states, workers’ comp insurance can cover medical bills and lost wages for employees who are injured on the job. Policy costs will vary depending on your state and number of employees. 

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.