Photographer Insurance — every shot covered.
From tripped guests to stolen cameras to a lost-photos lawsuit, photography carries unique risks. We cover photographers with liability, gear protection, and errors & omissions.
Coverage you probably need
General Liability
Covers guest injuries and venue property damage at shoots.
Equipment (Inland Marine)
Protects cameras, lenses, and lighting against theft and damage.
Professional Liability (E&O)
Covers claims like missed or lost photos and contract disputes.
Cyber
Helps if client galleries or data are breached.
Workers Compensation
Required in most states if you have employees or second shooters on payroll.
What can go wrong
- A guest trips over your gear and is injured.
- A camera or lens is stolen on location.
- A client claims you missed or lost their photos.
- A venue requires proof before you can shoot.
What carriers usually ask
- Your focus (weddings, events, studio, real estate, drone).
- Total value of your equipment.
- Whether you use second shooters and how you pay them.
- Annual revenue.
Common contract wording
Venues and clients commonly require General Liability (often $1M/$2M) and Additional Insured status, with a COI; some contracts also require E&O.
State notes: If you fly a drone for shoots, separate drone coverage may apply — see our drone insurance page.
Get covered for Photographer Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentPhotographer Insurance FAQs
Is my camera gear covered if stolen?
Yes — Equipment (inland marine) coverage protects your gear on location and in transit.
What is E&O for photographers?
It covers professional claims like lost images or a client dispute over deliverables.
Do venues require insurance for a shoot?
Many do. We issue COIs naming the venue as Additional Insured.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.