Quick facts

• Class: Photography Studios, Portrait
• Coterie Top 100 rank: #66 (December 2025)
• Coverage options: General liability and business owner’s policy

Risk snapshot

Owners in this class commonly deal with clients tripping on light stands and cables and damaged props or venues. Clients visit, leases require proof of coverage, and advertising injury can arise from your marketing.

How GL and a BOP work together

General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises. A BOP covers computers, furniture and valuable papers, with business income and computer interruption built in. Many owners pick the BOP because property and business income come bundled with the liability protection.

Appetite and eligibility

Home-based studios are welcome. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals. Startups and home-based businesses can qualify too.

Why go through Coterie?

Quotes and certificates are instant, and Coterie’s own team manages claims from start to finish. As a bonus, Manage My Risk gives you free safety resources and risk assessments you can share with your team.

All coverage is subject to underwriting and availability.

Quote and bind in minutes: Coterie Quote and Bind

Prefer a phone call? America Insurance Brokers can walk Alabama portrait photography studios through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama photography studios, portrait.