Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 22, 2026.
GENERAL LIABILITY
Photographer/Videographer $20/month for general liability
WHY IT MATTERS
Why Photographer/Videographer need business insurance
Photography and videography work can involve clients, rented venues, valuable equipment, travel, and tight deliverables. A suitable mix of coverage can address different risks rather than relying on one policy for every situation.
SCENARIO 1
A guest trips over your equipment
A guest trips over a light stand during a shoot and is injured. General liability insurance may help with covered third-party medical expenses, legal defense, and damages.
SCENARIO 2
Camera gear is stolen in transit
Cameras and lenses are stolen while being transported to an assignment. Inland marine insurance may help repair or replace covered equipment, subject to the policy terms.
SCENARIO 3
An employee is hurt on a shoot
An employee is injured while moving equipment at a job site. Workers' compensation insurance may help with covered medical care and lost wages, subject to state requirements and policy terms.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services and project types
Weddings, commercial productions, drone work, studio sessions, and other services can present different risks. More complex work may increase the quoted cost.
Equipment value
A larger or more valuable collection of cameras, lenses, lighting, and editing equipment may increase property or inland marine coverage costs.
Revenue and workload
Higher revenue or a larger number of assignments can indicate greater exposure, which may raise the yearly cost of coverage.
Employees and payroll
Adding employees or increasing payroll may raise workers' compensation costs and affect other coverage lines.
Claims history
Prior losses may lead to closer review and can increase the quoted cost, depending on their type, frequency, and severity.
Coverage selections
Broader coverage, higher limits, and lower deductibles generally increase cost, while narrower coverage or higher deductibles may reduce it.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For photographers and videographers working across the country, rates and requirements vary by state and by carrier.
Where the business operates
Working in multiple states may introduce different requirements and rating considerations for each location.
Types of shooting locations
Busy venues, client properties, studios, and outdoor sites create different exposures that may affect the quote.
Travel with equipment
Frequent travel or long-distance transport may increase equipment exposure and affect inland marine coverage choices.
590
Quotes analyzed
48
States represented
5
Coverage lines
BEST RATE
How to get the best rate
Create an equipment inventory
List each camera, lens, light, computer, and accessory with its value so the requested coverage reflects what you actually use.
Describe your services accurately
Separate studio work, events, commercial productions, drone work, and other services so the application matches your operations.
Document safety practices
Keep written procedures for securing cables, stabilizing stands, protecting equipment, and managing access to shooting areas.
Review contracts and coverage
Check client and venue contracts for required coverage and limits, then choose deductibles you could reasonably pay after a loss.
FAQ
Common questions
What business insurance does a photographer or videographer need?
The right mix depends on your services, equipment, employees, contracts, and shooting locations. General liability insurance, inland marine insurance, workers' compensation insurance, commercial property insurance, and a business owners policy may each address different risks.
Does general liability insurance cover cameras and other equipment?
General liability insurance generally addresses covered third-party injury or property damage claims rather than damage to your own equipment. Inland marine or commercial property insurance may cover cameras, lenses, lighting, computers, and related gear, depending on where the items are located and the policy terms.
Do freelance photographers and videographers need business insurance?
Freelancers may need coverage even when they have no employees. Client or venue contracts may set insurance requirements, while equipment ownership, travel, and work around the public can create additional coverage needs.
Can business insurance cover claims about professional mistakes?
Professional liability insurance may address covered claims alleging that your services caused a client financial harm. Missed deadlines, lost files, creative disputes, and contract issues are not automatically covered, so the policy terms and exclusions matter.
What information is needed to request a quote?
Be ready to describe your services, revenue, payroll, equipment, business locations, travel, claims history, and requested coverage. Client or venue contracts can also help identify any required limits or policy features.