Photo Video Insurance

Photographer Insurance

Coverage built for photographers — weddings, portraits, commercial, and event work.

What this coverage is intended to address

✓Third-party bodily injury and property damage at shoots and events
✓Damage to a venue's artwork, fixtures, or equipment from a tripod or light stand
✓Allegations of failure to deliver finished work — professional liability insurance, also called Errors & Omissions (E&O) insurance
✓Cameras, lenses, lighting, and rented gear (when scheduled on the policy)

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most photographer operations consider one or more of these coverage types:

General Liability

Professional Liability / E&O

Inland Marine (Gear)

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A tripod tips over and damages a venue's artwork. The general liability policy is generally intended to respond to allegations of this nature in the event of a covered claim.
A client alleges the photographer failed to deliver promised wedding images. Professional liability — also known as Errors & Omissions (E&O) insurance — is generally intended to address allegations of this type.

Frequently asked questions

Does this cover my gear?

Camera and lighting gear is typically scheduled on the policy under inland marine. Borrowed and rented gear can usually be included.

Do venues usually require insurance?

Many wedding and event venues require photographers to carry $1M general liability and list the venue as additional insured.

Get a Photographer insurance quote

Takes about 3 minutes. We'll route you to an instant-quote carrier when one fits.

Start my quote →

RunQuotes is an insurance education and lead-matching directory. We connect U.S. consumers and businesses with licensed insurance professionals, underwriters, or carriers. Read our Terms of Service →