Business Insurance Requirements for Photographers and Videographers in Ohio

Photographers and videographers benefit from Ohio’s eclectic abundance. Whether you specialize in shooting corporate events outside Cincinnati, or take engagement photos by the thunderous falls of Cuyahoga Valley National Park, there’s much to document in the nation’s tenth most populous state. No matter where you work, your company has a significant investment in its equipment. In a profession where a cracked lens can lead to cancelled shoots, business insurance is vital to keep the camera rolling.

To determine the business insurance that will best secure your company, consider the unique factors and individual risk that define your small business. Will your company move into commercial space? Most leasing agreements require proof of general liability insurance and/or commercial property insurance. Potential clients may require you to show proof of professional liability insurance. Also called errors and omissions, this policy could protect against lawsuits filed by dissatisfied clients. Ohio state law requires almost all small businesses with one or more employees to carry workers’ compensation insurance. Sole proprietors can elect for coverage, but it is not a requirement.

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 Ohio, and start an application to get your free quotes today.

Find the right insurance policy for your photography business

The most common policies for Ohio 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 size.

 

Business type General liability / BOP Professional liability Workers' comp
Sole proprietor X X  
Partner X X  
Contractor / freelancer X X  
Employer X X X

 

General liability insurance: General liability insurance is the foundation of a photographer or videographer’s business protection with coverage that extends to bodily injury, client property damage, advertising injury, and the cost of legal defense. Most commercial leases require you to have this coverage.            

Professional liability insurance: Many clients require proof of professional liability insurance before entering contracts for professional services. This policy, also called errors and omissions insurance or photographer/videographer liability insurance, can help cover legal expenses if you’re sued for unsatisfactory work or a business discrepancy.

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.

Ohio workers' compensation: Ohio state law requires workers’ compensation coverage for all small businesses that employ one or more workers. Sole proprietors can elect for this coverage, but it is not required by law. Coverage can only be purchased through Ohio’s monopolistic state-administered workers’ compensation fund; it cannot be purchased through private insurers. If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages.

Photographers are injured at a higher rate than the national average, and miss more days away due to workplace injury than the national median, according to the Bureau of Labor Statistics. It’s physical work, so it may not be surprising that photographers are at particular risk of injuries due to overexertion, along with falls, slips, and trips.

Business insurance costs for photographers and videographers in Ohio

Photographers and videographers in Ohio can expect their business insurance costs to adhere closely to the national median, according to an analysis of Insureon applications. Insureon does not have data for workers’ compensation costs, as state law does not allow purchase of this policy through private insurers. The median cost for errors and omissions coverage is just $34 per month for photographers and videographers in the state. If you were sued due to a work mistake or undelivered services, this policy could potentially protect against costs related to a lawsuit. Even a frivolous suit against your small business could result in $2,000 to $5,000 in attorney fees, according to a report from the U.S. Chamber Institute for Legal Reform. An errors and omissions policy paired with general liability coverage can cost Ohio photographers and videographers under $100 per month to secure their small business.

Median Insurance Costs for Ohio Photographers and Videographers

Save time and money with Insureon

Insureon’s industry-leading technology helps photographers and videographers in Ohio 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 Ohio 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.