General Liability
Covers third-party injury at shoots, property damage at venues, and advertising injury claims.
Photography & Videography Business Insurance for Every Shoot
Photographers and videographers face equipment damage, missed-event claims, and client property damage risks. We compare multiple carriers to find affordable coverage for your creative business.
Coverage
What does Photography & Videography insurance cover?
The right insurance program for your Photography and Videography business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Professional Liability
Covers claims from missed events, unusable footage, image errors, or failure to deliver as contracted.
Commercial Property
Protects your cameras, lenses, drones, lighting, and video equipment against theft, damage, and loss.
Commercial Auto
Covers vehicles used to transport equipment and crew to shoots, events, and production locations.
Business Owners' Policy
Bundles general liability and property coverage — ideal for independent photographers and small studios.
Who needs it
Who needs Photography & Videography insurance?
If you operate a Photography and Videography business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Wedding and event photographers — Face irreplaceable-moment claims when images are lost, corrupted, or not delivered as contracted.
- Commercial and product photographers — Work with client merchandise and branded assets where damage, image errors, or usage disputes carry real costs.
- Videographers and video production companies — Set up equipment on location and deliver contracted deliverables, with liability for both crew safety and outputs.
- Drone operators and aerial photographers — Face UAV liability for bodily injury and property damage if a drone crashes or malfunctions mid-flight.
Why Ashmont Insurance Agency
The smarter way to insure your Photography & Videography business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Photography and Videography business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Photography and Videography coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Photography & Videography insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Photography business insurance typically costs $300–$1,500 per year for a Business Owners' Policy, with professional liability adding $300–$1,000 more annually. Equipment coverage costs depend on the value of your gear. Ashmont Insurance Agency compares multiple carriers for competitive rates.
Commercial property insurance covers cameras, lenses, and equipment stored at your studio. For gear used on location, you may need an inland marine (equipment floater) endorsement that covers equipment anywhere it travels.
Professional liability for photographers covers claims of missed events (failed to show up, corrupted photos), unusable footage, breach of contract, and failure to deliver the promised product. This is especially important for wedding photographers.
Yes. Drone operators need specific coverage for UAV liability, which covers bodily injury and property damage caused by drone operations. The FAA also requires registration and may require liability coverage for commercial drone operations.
Yes. Ashmont Insurance Agency lets you compare photography and videography insurance from multiple carriers online in minutes. We evaluate your business type, equipment value, and event types to find your most competitive options.
Ready to protect your Photography & Videography business?
Compare Photography & Videography insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.