Insurance for Freelance Photographers and Videographers
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Videography & Photography - Freelance
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How much does freelance photographer and videographer insurance cost?

The cost of videographer and photographer insurance depends on your level of risk and the value of your cameras and other equipment. Cost estimates are sourced from policies purchased by Insureon customers.

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General liability insurance costs for freelance photographers and videographers

Freelance photographers and videographers pay a median of $22 per month, or $259 annually, for general liability insurance. This policy protects photo and video professionals against third-party property damage and injuries, along with advertising injuries.

Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your equipment, too.

Median cost per year: $259
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.

Business owner’s policy icon

Business owner’s policy costs for freelance photographers and videographers

For photographers and videographers, a business owner’s policy typically costs $42 per month, or a median annual premium of $504.

A BOP bundles general liability and property insurance, usually at a discounted rate. Your business property value and services will partially dictate pricing. This policy may include business interruption insurance, which covers lost income due to an unexpected business closure.

Median cost per year: $504
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.

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Professional liability insurance icon

Professional liability insurance costs for photographers and videographers

Videographers and photographers pay a median premium of $65 per month, or $779 annually, for professional liability insurance. The rate will depend on the type of services you offer and other key factors.

This policy, also known as errors and omissions insurance, protects businesses against the cost of client lawsuits claiming that work was unsatisfactory, negligent, late, or never completed.

Median cost per year: $779
Policy limit: $1 million per occurrence
Policy deductible: $1,000

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's professional liability insurance cost analysis page.

Workers’ compensation insurance icon

Workers’ compensation insurance costs for photographers and videographers

The median cost for workers’ compensation insurance for photographers and videographers is $55 per month, or $662 annually. Policy costs can vary significantly depending on your state.

Workers’ comp can cover medical bills and lost wages if you are injured on the job. Freelance photographers and videographers often buy this policy for themselves. That's likely because the work is active: you might go up a ladder to secure a shot, or have to navigate a busy photoshoot from behind the lens of your camera.

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.

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How do I get photographer and videographer insurance?

It’s easy to get insurance as a photographer or videographer if you have your business information on hand. An insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. providers to find coverage that fits your photo or video business, whether you work independently or hire employees.

Updated: September 27, 2022
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Videography & Photography - Freelance
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