Learn about business insurance requirements and the most common policies for photographers and videographers in Michigan.
Which policies are required for a photographer or videographer in Michigan?
If you have a commercial lease, your property manager may require you to purchase general liability insurance. It's one of the most common policies purchased by photographers and videographers in Michigan. It 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 protection if a client files a lawsuit claiming your work caused financial harm because it was late, erroneous, or incomplete.
Michigan state law requires workers’ compensation coverage for all small businesses that employ three or more workers, or one or more workers at 35 or more hours per week for 13 or more weeks. Business-owned vehicles must be covered by commercial auto insurance.
What are the most common policies for a Michigan photographer or videographer?
The most common policies for photographers and videographers in Michigan 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
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.
Michigan workers' compensation
Michigan state law requires workers’ compensation coverage for all small businesses that employ three or more workers at any one time, or one or more workers at 35 or more hours per week for 13 or more weeks. If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages.
Sole proprietors and partners are exempt, but they may choose to purchase workers’ comp. Michigan has a competitive state workers’ comp fund, but you can also use a private insurer.
What do photographers and videographers in Michigan pay for business insurance?
How much will business insurance cost? Perhaps less than a new professional camera. In Michigan, photographer and videographers can expect to pay rates lower than the national median to secure their business, according to an analysis of Insureon applications.
The biggest drop over the national rate is workers’ compensation, generally the most expensive policy for photographers and videographers nationwide. In Michigan, a workers' comp policy is nearly $200 per year less than the national rate. Michigan state law is particularly strict in enforcing laws relating to workers’ comp. Uninsured employers may be subject to steep fines or imprisonment for up to six months.
Save time and money with Insureon
Insureon’s industry-leading technology helps photo and video professionals in Michigan 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 Michigan 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.