Professional liability insurance for photography and video professionals

When clients think you made a mistake or didn’t live up to your contract, they could sue. Lawsuits can be expensive for photographers and videographers, especially if you are a freelancer.

If a client claims the corporate video you shot wasn’t up to par, or a mother doesn’t think you captured her newborn in the most flattering light for a portrait, a professional liability insurance policy can help pay legal bills if you're sued.

This policy provides liability coverage related to:

• Professional mistakes
• Failure to deliver promised services
• Accusations of negligence

Photographers and videographers capture life’s most important moments. But if a customer isn't satisfied, you could face a lawsuit. Professional liability coverage provides financial protection against unmet expectations and promises, professional mistakes, and accusations of negligence.

If a client says you made a mistake while retouching photos and decides to sue, legal expenses can add up fast—even if you didn’t do anything wrong. Professional liability insurance can help cover the fallout from a work mistake, including:

• Attorney’s fees
• Court costs
• Settlements, judgments, and fines

If you are hired to shoot a wedding with two videographers and one of them calls out sick, the bride and groom might sue you for not providing the services you initially promised. When you’re taken to court for failing to provide a service, your professional liability policy can help pay for your legal defense and any fines or judgments ordered by the court.

If you deliver wedding photos that fail to meet a client’s expectations or lose the footage from a conference panel you were hired to shoot, professional liability insurance can help cover the cost of a lawsuit.

Legal expenses can add up quickly, and any dissatisfied client can file a lawsuit. That’s why it’s a good idea to purchase professional liability insurance—also called errors and omissions insurance—to protect against accusations of professional negligence.

Are you ready to safeguard your photography or videography business with professional liability insurance? Complete Insureon’s easy online application to compare quotes from top U.S. insurance companies.

You can also speak with a licensed insurance agent to make sure you're getting the best, most affordable types of insurance to meet your business needs. Once you find a policy that fits your needs, you can begin coverage and receive a certificate of insurance in less than 24 hours.