Learn about business insurance requirements and the most common policies for photographers and videographers in Texas.
If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by photographers and videographers in Texas, 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 it was late, erroneous, or incomplete.
State law in Texas does not require workers’ compensation coverage. Still, it’s an important policy to have, since it can pay for medical expenses and replace lost wages if you or an employee is injured at work.
Any business that owns a vehicle must carry commercial auto insurance to comply with Texas state law.
Photographers and videographers in Texas most often buy the following types of insurance. The exact coverage you need depends on the specifics of your business, such as whether you hire employees or drive for work.
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.
Photographers and videographers in Texas sometimes qualify for a business owner’s policy, or BOP. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.
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 (E&O), can help cover legal expenses if you’re sued for unsatisfactory performance or a work mistake.
If you own a photography or video production business in Texas, you are not required to carry workers’ compensation coverage. However, if you or an employee trips over a light stand and break an arm at your studio, or develops a repetitive stress injury from work, you can turn to your workers’ comp policy to help cover medical bills and lost wages.
Any Texas business that owns a vehicle must carry commercial auto insurance, which covers expenses in the event of an accident. Photographers and videographers who drive their own vehicle for work, or rent or lease a business vehicle, can opt for hired and non-owned auto insurance instead.
While commercial property insurance can protect equipment that stays at your primary business location, inland marine insurance can cover items you use in the field, including your shooting and editing gear. Think of it as camera insurance for when you’re on the go. It can be purchased as a standalone policy, or as an endorsement to your commercial property insurance or BOP.
According to an analysis of Insureon applications, the typical photo or video professional in Texas can expect to pay slightly less than the national median for most policies. The median cost of general liability insurance is $425 annually for Texas photographers and videographers, the same as the national median.
Insureon’s industry-leading technology helps photo and video professionals in Texas 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 Texas and can answer your questions as you consider coverage.
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