Looking for Photography & Videography Insurance?
Protect your photo/video business from equipment damage, liability claims, copyright disputes, and event cancellations. Get coverage for photographers, videographers, and visual content creators.
What is Photography & Videography Insurance?
Photography and videography insurance protects visual professionals from equipment damage, liability claims, copyright disputes, and production errors. Coverage includes equipment protection, general liability, and professional liability. Clients, venues, and contracts require proof of insurance before shoots, events, or commercial work.
Equipment Protection
Coverage for cameras, lenses, lighting, drones, and production gear from damage, theft, or loss.
Event Liability
Protects against injuries or property damage during photo/video shoots and events.
Professional Liability
Covers errors, missed shots, copyright claims, and delivery failures.
Certificates
Fast proof for venues, clients, and event planners.
Who Needs Photography & Videography Insurance?
- Wedding Photographers/Videographers : Businesses requiring specialized insurance coverage
- Commercial Photographers : Businesses requiring specialized insurance coverage
- Portrait Studios : Businesses requiring specialized insurance coverage
- Video Production Companies : Businesses requiring specialized insurance coverage
Why Harper?
Photography/Video Expertise
We understand visual professional risks: equipment damage, venue liability, missed events, and copyright claims. Get coverage for weddings, commercial work, portraits, or specialized photography/videography.
Fast Proof for Venues
Event venues require insurance before allowing photography/videography services. We deliver certificates quickly with venue requirements.
Clear Simple Guidance
We explain equipment coverage, liability protection, and E&O insurance for visual professionals clearly.
Tailored to Your Work
Match coverage to your services: weddings, commercial, real estate, events, portraits, or video production.
Frequently Asked Questions
What insurance do photographers and videographers need?
Visual professionals need equipment coverage (inland marine) protecting cameras, lenses, lighting, computers, and gear from damage, theft, or loss whether in studio, at shoots, or during transport. General liability covers injuries or property damage at client locations or events. Professional liability (E&O) covers claims from missed shots, delivery failures, or copyright disputes. Commercial auto is needed if regularly transporting equipment, and drone insurance is essential if using UAVs.
Is photography insurance required?
Wedding venues, event spaces, and commercial properties typically require general liability insurance (usually $1-2 million minimum) and adding the venue as additional insured before allowing photographers/videographers on premises. Commercial clients often require E&O coverage before contracts. While not legally mandated, operating without equipment coverage exposes you to total loss of expensive gear (camera kits can exceed $10,000-$50,000+), and liability claims from venue damage or injuries could be financially devastating.
How much does photography/videography insurance cost?
Part-time photographers with basic equipment pay $300–$800 annually for equipment and liability coverage. Full-time wedding or event photographers pay $800 to $2,000+ annually. Commercial photographers and videographers with expensive equipment pay $2,000 to $6,000+ annually. Costs depend on equipment values (cameras, lenses, lighting, computers, drones), revenue, number of events/shoots, whether doing commercial work, types of venues, and claims history.
Does insurance cover damaged equipment?
Inland marine or equipment coverage protects cameras, lenses, lighting, drones, computers, and gear from accidental damage, theft, mysterious disappearance, or loss anywhere in the world. This includes equipment dropped during shoots, stolen from vehicles or checked luggage, or damaged by weather at outdoor events. Coverage typically has low or no deductibles and pays replacement cost rather than depreciated value.
Does insurance cover missed wedding photos?
Professional liability (E&O) can cover claims when you fail to capture important moments, experience equipment failures resulting in no photos/video, or miss an event entirely due to error. Coverage pays legal defense and potential settlements for breach of contract claims. However, policies often have significant exclusions and limitations for wedding work due to the high-emotion, unrepeatable nature of weddings.
Can we add venues as insured?
Yes, wedding venues, event spaces, and commercial properties routinely require photographers and videographers to add them as additional insureds on general liability policies before granting access for shoots. This protects venues from liability arising from your activities on their property. We handle certificates for each venue with proper endorsements for both one-time events and regular commercial location work.