Commercial auto insurance for photographers and videographers

Your employees may be skilled drivers, but accidents can happen to anyone. A collision could lead to another motorist getting injured, or a photography business's van being totaled.

An auto accident could cost your small business thousands of dollars, especially if someone is hurt. Compare that to the average premium of $147 per month for small businesses, and it’s easy to see why commercial auto insurance is the better deal.

Commercial auto insurance helps pay for lawsuits, property damage, and medical costs that arise from an accident involving a company vehicle. It can also cover vehicle theft, vandalism, and damage from hail and storms.

This policy can be tailored to fit the needs of a photo or video company. For example, a photographer who drives infrequently to client photo shoots may need less coverage than a video production company that drives long distances to different filming locations.

Company-owned vehicles must be covered by commercial auto insurance. It's the law in almost every state.

Commercial auto insurance may be required if you:

• Own a film production van or other work vehicle
• Transport film and photography equipment
• Send photographers or other employees to clients' homes

State regulations determine how much coverage you need. Your commercial auto insurance must meet your state’s liability insurance requirements.

You can tailor your commercial auto insurance policy to match your business's risks and its budget. This policy can cover:

If your photography or videography company is sued over an auto accident, legal expenses can pile up fast. You may also have to pay a settlement or court-ordered judgment.

If an accident injures the driver of your photography business's vehicle, or any passengers, your policy can cover their medical bills.

Collision coverage pays for damage to a company car or other work vehicle, regardless of who caused the accident.

Uninsured and underinsured motorist coverage pays for damage caused by drivers who lack insurance. Some states require this coverage.

Comprehensive insurance covers non-collision damages, including fire, vehicle theft, and vandalism.

Commercial auto insurance only covers vehicles that are owned by a business, but sometimes employees drive personal or rented vehicles for work errands.

For example, a videographer might drive their own car to a wedding, or a drone photographer might rent a van to transport their equipment. Personal auto insurance also won't provide coverage if you get into an accident while driving for work.

Hired and non-owned auto (HNOA) insurance provides liability coverage for photographers and videographers who get into an accident while driving a personal, leased, or rented vehicle to conduct company business.

Are you ready to protect your photo or video business with commercial auto insurance? Complete Insureon’s easy online application today to get quotes from top U.S. insurance companies.

You can speak with a licensed insurance agent to find the right types of coverage for your business. Once you find the best policy, your coverage can begin and you'll receive a certificate of insurance in less than 24 hours.