Learn about business insurance requirements and the most common policies for photographers and videographers in Georgia.
Which policies are required for a photographer or videographer in Georgia?
General liability insurance is one of the most common insurance policies for photographers and videographers in Georgia. If you have a commercial lease, your property manager may require you to purchase a policy. General liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
Your clients may require professional liability insurance in a contract. Also called errors and omissions insurance, professional liability insurance provides financial protection if a client files a lawsuit claiming your work caused financial harm because you lost important files, missed deadlines, or didn't deliver agreed-upon photo and video services.
State law in Georgia requires every small business with three or more employees to provide workers’ compensation coverage, and business-owned vehicles must be covered by commercial auto insurance. Personal vehicles used for business purposes should have commercial coverage with a hired non-owned policy, as well.
What are the most common policies for a Georgia photographer or videographer?
The most common policies for photographers and videographers in Georgia vary depending on revenue, client contracts, partnerships, and other factors.
General liability insurance
General liability insurance is the foundation of a photographer or videographer’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.
Professional liability insurance
Many clients require proof of professional liability insurance before entering into contracts for professional services. This policy, also called photographer liability insurance or errors and omissions insurance, can help cover legal expenses if you’re sued for unsatisfactory performance or a work mistake.
Business owner's policy (BOP)
Photographers and videographers sometimes qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.
Georgia workers' compensation
Photography or video production businesses in Georgia are required to carry workers’ compensation coverage if they have three or more employees. If an injury occurs on the job, medical fees and missed wages can result in tremendous financial loss. Workers’ compensation acts as a financial safety net when you or an employee has a work-related illness or injury. If you are a sole proprietor, the coverage is optional.
What do photographers and videographers in Georgia pay for business insurance?
According to an analysis of Insureon applications, the median cost of photography business insurance and video production insurance is about the same in Georgia as it is across the United States.
Georgia photographers and videographers can expect to pay about $425 a year for a general liability policy, or $500 if they bundle it with commercial property insurance by purchasing a BOP. Errors and omissions coverage will cost about $320 for Georgia photographers and videographers.
When purchasing workers' compensation insurance, Georgia photographers and videographers generally pay less than the national median – though the rate depends on the number of employees.
Save time and money with Insureon
Insureon’s industry-leading technology helps photo and video professionals in Georgia save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Georgia and can answer your questions as you consider coverage.
To make the application go 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 or videographer insurance quotes today.