View your Insurance with a different perspective

***What YOU care about***

Whether you work in a studio or in nature, Photographers have similar concerns

Your Liability and Equipment

We have an insurance company that will cover both of these concerns for under $50 a month!

At Tobey & Merrill Insurance, we have a conversation with you about YOUR concerns in your business and tailor a policy for you. 

With Photography Insurance you can tailor it if you want more Liability vs. Business Property. 

Highlights of this policy includes:

  • WORLD-WIDE coverage for Photographic Equipment*
  • Liability Coverage for  Advice or Instruction for Makeup Application or Hair styling Services*
  • Liability Coverage for Failure to Deliver Photographic Products due to loss or damage to photographic film or electronic media*

Example Policy for a Photographer in the Seacoast NH/ME area:

  • Liability and Medical Expenses: $2,000,000 Per Occurrence/ $4,000,000 per policy period
  • Business Personal Property (Replacement Cost):  $25,000
  • Photography specific endorsement including the world-wide photographic equipment coverage

Annual Premium of $500

*Please note that this is only a summary of insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverage*

Fill out the contact form below and reference Photography Business Insurance and a Tobey & Merrill Insurance Agent will reach out to you. 


"As a small business owner, I can personally attest to how chaotic owning and running a business is. Like....corralling a circus of flying monkeys, on any given day. I had previously carried insurance for my portrait studio through a different company, and had OK coverage. When I expanded my business I knew I needed to adjust my coverage accordingly, and that’s where I ran into problems- getting in touch with the company to expand coverage, and even figuring out what I currently had covered, was a nightmare. I met Kim through a local networking group and had reached out to see if she could help me navigate. I LOVED working with her! She came right out to the studio, and ran down a list of questions about how I ran the business and what I used. It was so easy for me because I just had to walk I her through my day to day- she found a plan that covered everything I needed, and brought to light some issues I wouldn’t have thought of if I was shopping for a policy any other way. While I could attest to Kim’s professionalism, what consistently makes me grateful for her is that she feels like an extension of the family: looking out for me & the biz, and always just a call or quick message away.

Beyond loving how easy the process is, the policy fit is perfect. She was able to customize a policy around exactly what I need currently, with the flexibility to adjust in the future. I couldn’t be happier- I recommend her to every small business owner!"

Hannah McMahon

Owner of Hannah McMahon Photography and Boudoir by Hannah