Business Insurance Requirements for Photographers and Videographers in Florida

As a professional photographer or videographer, you know that getting the perfect shot can make all the difference. The same can be said about choosing business insurance coverage. Having the proper photographer or videographer insurance in place can save you a world of frustration and financial trouble when something goes wrong either out in the field or in your studio.

General liability insurance protects photographers and videographers from the legal expenses of a lawsuit if someone is injured in your studio, or has a run-in with your equipment while you are on location. If you rent your space, your landlord will also likely require you to have this policy. Professional liability insurance is important to have in your line of work in case the client’s expectations don’t match up with your finished work and they decide to sue. You can safeguard you and your employees with workers’ compensation insurance, which can pay for medical costs and lost wages if someone is injured while working.

Insureon makes shopping for insurance easy with industry-leading technology that gathers quotes from top U.S. carriers that fit your needs. Read more to find out which policies are most common for photographers and videographers in Florida, and start an application to get your free quotes today.

Find the right insurance policy for your photography or videography business

The most common policies for photographers and videographers vary depending on a number of factors, including revenue, client contracts, and partnerships. The table below illustrates which policies might work best for your business type.

 

Business type General liability / BOP Professional liability Workers' comp
Sole proprietor X X  
Contractor / freelancer X X  
Business owner with employees X X X

 

General liability insurance: Protect yourself and your photo or video business from third-party injury or property lawsuits with this policy. If a client or model is hurt on location or in your studio, general liability can pay for any medical and legal expenses that arise. Videographers and photographers might also qualify for a business owner’s policy (BOP), which packages general liability and commercial property insurance into one money-saving bundle. A BOP can come in handy by providing camera insurance in a state like Florida, where inclement weather including hurricanes can result in damage to your cameras and equipment, studio, or commercial space.

Professional liability insurance: If your assistant loses a hard drive full of wedding footage, your client may sue you for negligence or failure to deliver promised services. Professional liability insurance, also known as errors and omissions insurance, provides coverage in any scenario where a client claims you are at fault and decides to take you to court.

Florida workers’ compensation insurance: Photography and videography aren’t the most dangerous professions, but accidents can happen in any line of work, especially ones that involves as much fieldwork. In the state of Florida, businesses with four or more employees are required to purchase workers’ comp for their staff. Even if you have fewer than four employees or if you’re the sole employee, it’s a good idea to consider purchasing this coverage in case you or a coworker get injured.

Lugging heavy equipment, twisting to adjust lighting equipment, and contorting your body to get the perfect shot can lead to injury if you’re not careful. According to the U.S. Bureau of Labor Statistics, the most commonly reported injuries for photographers and videographers in the United States are overexertion and bodily reactions, followed by slips, trips, and falls. If you or an employee suffer an injury during a shoot, workers’ comp can pay for medical expenses, as well as partial lost wages.

Business insurance costs for photographers and videographers in Florida

The median cost for photography and videography business insurance in Florida is pretty close to the median cost you could expect to pay anywhere else in the United States. Most photographers and videographers can anticipate annual costs of:

  • $425 for general liability insurance, or $500 for a BOP.
  • $390 for errors and omissions/professional liability coverage.
  • $1,050 for workers’ compensation insurance.

That means for less than $2,000 a year, you can purchase comprehensive videographer or photographer insurance to protect your business.

Median Insurance Costs for Florida Photographers and Videographers

Save time and money with Insureon

Insureon’s industry-leading technology helps photographers and videographers in Florida save time and money shopping for insurance by comparing policies from dozens of top U.S. carriers. Simply apply online and review quotes for the policies that best fit your business needs. Our insurance specialists are licensed in Florida and can answer your questions as you consider coverage.

To make the application go even quicker, have this information ready:

  • Workforce details, such as the number and types of employees.
  • Current and projected revenue.
  • Business partnerships.
  • Insurance history and prior claims.
  • Commercial lease insurance requirements.

Apply for free photographer and videographer insurance quotes today.