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In photography studios, photographers take photos for clients on-site. Some studios are located fully indoors and others include outdoor settings, such as gardens. Clients may request the service for a personal use, such as family photos, or for a professional use, such as staff pictures. Clients may supply their own dress, props and/or pets to be included in the photos, or they may pose with props and/or wearing clothing supplied by the photography studio.

General Liability Insurance for Photography Studios – Camera equipment and props should be set up in an organized fashion to prevent toppling or trip and fall hazards in photography studios. Wiring from the camera equipment and lights should be controlled to prevent trip and fall hazards as well. If outdoor areas are used for photo shoots, the premises should be in well maintained in order to prevent client injuries. An adult should closely supervise children and pets in order to prevent injuries.

Professional Liability (Errors & Omissions) Insurance for Photography Studios – The risk of errors and omissions claims can be reduced if photographers always have backup equipment and batteries available when taking pictures at special events.

Workers’ Compensation Insurance for Photography Studios – Photographers should use caution when moving and lifting camera equipment and props in order to prevent back injury. Trips and falls are also concerns in a photography studio. Cords and wiring from the equipment should be maintained to prevent trip and fall hazards to employees. Caution should also be used when taking outdoor pictures.

Business Auto Insurance for Photography Studios – Photographers who frequently work on location will have increased business auto risks. The delivery of film and pickup of pictures will also increase risks for photography studios. A large radius of travel will further increase risks. An inspection and service program should be implemented for all business owned vehicles.

Property Insurance for Photography Studios – Inland Marine coverage will be necessary to cover the camera equipment and personal property of others. In photography studios, camera equipment and photos are extremely susceptible to water, fire, and smoke damage. A fire could cause a total loss as a result. Wiring problems can cause a fire and weekly inspections should be conducted to check for frayed wires and overloaded circuits. Suppression systems should be installed to minimize damage in the event of a fire.

Crime Insurance for Photography Studios – All checks should be stamped “for deposit only” immediately upon receipt and bank deposits should be made often. Internal audits should be performed in photography studios to reduce employee dishonesty. Checkbooks should not be left in the open, but should be stored in locked drawers or cabinets. Theft of camera equipment should be covered by Inland Marine coverage.