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Photography and Videography Business Insurance
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Recommended insurance policies for photo and video professionals
Photographers and videographers capture life’s most important moments. But if a customer isn't satisfied, you could face a lawsuit. Business insurance provides financial protection against lawsuits, injuries, and theft.
General liability insurance
This policy covers common business risks, such as a client injury at your photography studio. Bundle it with commercial property insurance for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective insurance bundle for video and photo professionals. It includes both commercial property insurance and general liability coverage in one plan.
BEST FOR
- Customer injuries
- Customer property damage
- Stolen or damaged business property
Professional liability insurance
This policy covers legal fees for photographers and videographers if a client sues over work performance. It's sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Lost or damaged photos or videos
- Accusations of negligence
- Missed photo or video shoots
Workers’ compensation insurance
Most states require workers' comp for photo and video businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This policy covers the cost of accidents involving a vehicle owned by a photography or videography business. Most states require this coverage for business-owned vehicles.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Inland marine insurance
This policy protects photography and videography equipment that travels outside of your office. It covers property losses due to theft, fires, storms, and vandalism.
BEST FOR
- Cameras brought to a wedding
- Photography equipment in transit
- Video equipment at a filming location
Looking for different coverage? See more policies.
How much does insurance cost for photo and video professionals?
Several factors will have an impact on insurance costs, including:
- Photography / videography services offered
- Value of cameras, editing equipment, etc.
- Revenue
- Location
- Number of employees
State insurance requirements
See your state's requirements for photo/video businesses
Choose your state to learn about insurance requirements for photographers and videographers.
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