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Photographer and videographer insurance in Florida
Learn about business insurance requirements and the most common policies for photographers and videographers in Florida.
Which policies are required for photographers and videographers in Florida?
If you have a commercial lease, your property manager may require you to purchase general liability insurance, one of the most commonly purchased insurance policies by photographers and videographers in Florida. General liability coverage can protect your business from expenses associated with common mishaps, such as client property damage and injuries at your business.
Your clients may require professional liability insurance in a contract. Also called errors and omissions insurance, professional liability insurance provides financial protection if a client files a lawsuit claiming your photo or video work caused financial harm because it was late or incomplete.
State law in Florida requires every business with four or more employees to provide workers’ compensation coverage, and business-owned vehicles must be covered by commercial auto insurance. Personal vehicles used for business purposes should have commercial coverage, as well.
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What are the most common policies for Florida photographers and videographers?
Photographers and videographers in Florida most often buy the following types of insurance. The exact coverage you need depends on the specifics of your business, such as whether you hire employees or drive for work.
General liability insurance
General liability insurance is the foundation of a photographer or videographer’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.
Business owner's policy
Photographers and videographers in Miami, Orlando, and elsewhere in the state sometimes qualify for a business owner’s policy (BOP). This package helps your business save money by bundling commercial property insurance with general liability coverage at an affordable rate.
Professional liability insurance
Many clients require proof of professional liability insurance before entering into a contract with a professional photographer. This policy helps cover legal expenses if you’re sued for unsatisfactory performance or a work mistake. It's sometimes referred to as photographer liability insurance or errors and omissions insurance (E&O).
Workers' compensation insurance
Workers’ compensation insurance covers the cost of work-related injuries and provides disability benefits to injured workers. If you are a sole proprietor, the coverage is optional. However, if you trip over a light stand and break an arm at your studio, or develop a repetitive stress injury from your work, you can turn to your workers’ comp policy to help pay your medical bills and lost wages.
Commercial auto insurance
Any Florida business that owns a vehicle must carry commercial auto insurance, which covers expenses in the event of an accident. Photographers and videographers who drive their own vehicle for work, or rent or lease a business vehicle, can opt for hired and non-owned auto insurance instead.
Inland marine insurance
While property insurance covers equipment that stays at your primary business location, inland marine insurance can cover items you use in the field, such as cameras and lighting equipment you take to photograph a wedding. These items move from location to location, which exposes them to more opportunities for loss, damage, and theft. That’s why they require special coverage.
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How much does insurance cost for photographers and videographers in Florida?
According to data from Insureon's small business customers, the median cost for photography and videography business insurance in Florida is close to the nationwide median. Photographers and videographers in Florida can anticipate annual costs of:
- $425 for general liability insurance, or $500 for a BOP
- $390 for errors and omissions / professional liability coverage
- $1,050 for workers’ compensation insurance
That means for less than $2,000 a year, you can purchase comprehensive videographer or photographer insurance to protect your business.
Save time and money with Insureon
Insureon’s industry-leading technology helps photo and video professionals in Florida save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Florida and can answer your questions as you consider coverage.
To make the application go quicker, have this information ready:
- Workforce details, such as the number and types of employees
- Current and projected revenue
- Business partnerships
- Insurance history and prior claims
- Commercial lease insurance requirements
Apply for free photographer or videographer insurance quotes today.
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Updated: August 8, 2023
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