Photographer, which insurance to choose?
We'll explain everything you need to know about insurance if you're a photographer. In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a photographer? What are the main risks in your business? When do you become responsible as a photographer?
We explain everything to you and give you a list of the best photographer insurance.
Summary
Photographer, what are your compulsory insurance?
What is the price of professional photographer insurance?
Professional Photographer Liability Insurance
What are the best photographer insurance?
Photographer, what are your compulsory insurance?
Professional Liability
Status
Highly recommended
advice
In our opinion, it is essential to protect you from damage caused to third parties by yourself, your equipment, your premises ...
Professional multi-risk
Status
Highly recommended if you do not have premises, mandatory if you have one
advice
To cover your studio and your equipment - check the types of guarantees covered (theft? Breakage?)
Operating loss
Status
Optional
advice
Recommended safety net, covers your loss of income following a disaster
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional photographer insurance?
Professional Liability
Average annual price (€)
From 170 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our photographer insurance comparators
COMPARE 12 CONTRACTS
RC PRO INSURANCE
COMPARE 34 CONTRACTS
OF TNS MUTUAL
COMPARE 7 CONTRACTS
MULTI-RISK INSURANCE
Professional Photographer Liability Insurance
The photographer RCP protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace, material and immaterial.
Although you do not have a legal obligation to take out professional liability insurance, this insurance is still highly recommended. There are many cases in which your liability may be called into question. In addition, some customers or calls for tenders will require you to present a certificate of RCP insurance before entrusting you with their assignment.
What are the guarantees of the RC Pro Photographer insurance?
Professional Liability
Main risks
Delay in service, loss of data, transmission of computer viruses, intellectual property infringement
Probability
Important
Comments
All SPCs do not include the same guarantees, check them to avoid duplicates
Guarantee of recourse and criminal defense
Main risks
Lawsuit brought by a client for prejudice suffered
Probability
Medium
Comments
Very useful if the event is excluded from the liability guarantee. Attention, exclusion of professional acts
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