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Photographer insurance · California

Photographer insurance in Los Angeles

Light stands tip, guests trip, and sometimes a client says the photos were not what they paid for. Thimble's photographer policy includes general and professional liability, for one shoot or a whole year.

$1,000,000General and professional liability on Thimble's photographer policy
By the shootor by the hour, day, month or year
Certificateready to download for a venue or client

Start a coverage review Call Billy

What photographer coverage includes

Usually covered

Bodily injury: someone other than your workers is hurt because of your shoot, like a guest tripping over a light stand.
Property damage: you or your crew damage a client's or someone else's property.
Legal defense: lawyers and court costs if you are sued over a covered claim.
Medical payments: small medical bills for someone hurt at your work, without a lawsuit.
Professional liability: claims that your work had errors or was not delivered as promised.

Usually not covered

Your own cameras, lenses and lights
Injuries to your own employees (that is workers' compensation)

How Thimble coverage works

Coverage when you need it. Thimble sells these policies by the hour, the day, the month or the year, so a one-off job can be covered on its own.
Proof for your client. After you buy, you can download a certificate of insurance to show a client, landlord or venue.
You stay in control. Thimble lets you change, pause or cancel a policy online or in its app.

What a policy covers, its limits and its price depend on your business, your ZIP code, your crew size and how long you buy for. The policy itself is what decides a claim.

Get a quote online

Get a price and buy online below. Billy is the broker on these Thimble policies, so you can call him with questions before or after you buy.

Open the Thimble quote in a new tab

This quote tool is run by Thimble Insurance Services. What you type into it goes to Thimble and is covered by Thimble's privacy policy, not ours. Rather talk it through? Use the form on this page or call (323) 393-5077.

Cyber coverage

Thimble can add cyber coverage to its yearly general liability policy, with up to a $100,000 limit for a data breach, cyber crime or cyber extortion. It is not available in every case; see the business insurance guide for what it covers and leaves out.

What to have ready

What you shoot: portraits, events, weddings, products
Your ZIP code and where you work
Whether anyone works with you
How long you need coverage: one shoot, a month or a year
Any venue or client who needs to be listed on the certificate

Other trades

Billy also has pages for other trades Thimble covers:

Contractors and handymen

Liability for remodels, repairs and handyman jobs, plus the bond and workers' comp rules California contractors face.

See contractors and handymen coverage

Cleaning and janitorial

Liability for house cleaners, janitorial crews and commercial cleaners working in clients' homes and offices.

See cleaning and janitorial coverage

Landscaping and gardening

Liability for gardeners, lawn care and landscape crews, with notes on tree work and equipment.

See landscaping and gardening coverage

Event vendors and entertainers

General and professional liability for DJs, performers and vendors, with free additional insureds for venues.

See event vendors and entertainers coverage

Need something else, such as workers' compensation, a business owner's policy or commercial auto? The small business insurance guide covers those, and Billy can compare other companies for you.

Common questions

Does photographer insurance cover my camera?

Not general or professional liability. Those cover claims from other people. Your cameras, lenses and lights need their own equipment coverage.

What if a client says I ruined their wedding photos?

That is a professional liability claim, which Thimble's photographer policy includes along with general liability, subject to the policy's terms and limits.