Unlicensed use
Brands and sites using your photos without paying.
Photographer insurance
Photographer insurance: get covered for client work and content claims.
The short answer
Photographer insurance from CreatorSure covers the images, not only the camera. Media liability pays for your defense when someone says a photo used their likeness without a release, invaded their privacy or infringed their work. Fight Back helps pay for a lawyer when clients or strangers use your images without a license.
Your gear is easy to insure. Your images are where the claims come from.
Get a quoteWhat it covers
What photographer insurance covers
Two halves, one quote. Media liability for when someone comes after you. Fight Back for when you need to go after them.
- Likeness and release claims from people in your photos
- Privacy claims over street, event and wedding photography
- Copyright and trademark claims over art, logos or property in frame
- Claims from clients over how images were used
- Fight Back when others use your images without a license
CreatorSure will place a policy that covers the way you work. Coverage depends on your policy terms.
The risks
Common claims against photographers
- Releases. Editorial work that turns commercial without a model release.
- Weddings and events. Guests who object to how their photo was used.
- Property in frame. Art, tattoos, buildings and logos.
- Captions. A true photo with a caption that paints someone falsely.
- Composites. Images built from other people's work.
Fight Back
Fight Back when clients or others misuse your images
Most insurance waits for you to get sued. Fight Back helps pay for takedowns, demand letters and a lawyer to go after people who take your work. It's for theft you find after your policy starts.
Clients going past the license
A client runs your images beyond what they paid for.
Photos sold as someone else's
Your work on stock sites or prints under another name.
Credit stripped
Watermarks cropped out and reposted.
Someone ripping off your work?
Proof of insurance
Proof of insurance for clients and brands
Wedding venues, brands, agencies and event organizers often ask for a certificate before a shoot. Once you're covered, CreatorSure sends one to anyone who needs it. Freelance photographer insurance and wedding photographer insurance both come with it.
General liability
Why general liability often fails photographers
General liability, or GL, is the policy lots of small businesses buy. One part of it, Coverage B, is for personal and advertising injury. For an ordinary business, like a plumber, that part typically covers defamation claims.
Photography that's published or licensed can fall into the publishing group, where that part is often limited or excluded. This is called the media exclusion, and GL doesn't address claims over your content the way media liability does.
General liability is built for a guest tripping over a light stand, not a claim over the image. CreatorSure covers gear too (ask for it on your quote). Keep GL for physical accidents (CreatorSure covers general liability too and will place it alongside your media liability), and add media liability for your content.
Cost
Photographer insurance cost
There's no flat price, and we won't guess at one here. Your photographer insurance cost depends on the kind of work you shoot (weddings, commercial, editorial, street), your revenue, where your images get published, the limits clients ask for, and your claims history.
CreatorSure builds the quote around you, so you're not paying for extras you don't need. See what moves the price, then request a quote for a real number.
FAQ
Photographer insurance FAQ
Do photographers need insurance?
If you shoot people, sell or license images, or work for clients, yes. Media liability covers claims over your photos. Fight Back helps you go after people who use them without paying.
How much does photographer insurance cost?
It depends on what you shoot, your revenue, where images are published and the limits you need. CreatorSure tailors a quote to your photography business. Request one to get your number.
Is photography liability insurance the same as gear insurance?
No. Gear insurance covers your equipment. Photography liability for your images is media liability. CreatorSure covers both and will place them together.
Can I get proof of insurance for a venue or client?
Yes. Once you're covered, CreatorSure issues a certificate of insurance to the venue, brand or client.
Who we cover
More creator insurance
Get a quote
Get a quote. Keep making it. We've got your back.
- 1
Tell us about you
Fill out the quote form with a few details about what you do.
- 2
We build your custom quote
We put it together around the coverage you actually want.
- 3
Pick your coverage
We walk you through your options in plain English. You decide. No pressure.
Not sure what you need? Tell us what you make. A real person reads every request and gets back to you.
Coverage depends on your policy's terms, conditions and exclusions.