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Photographer and videographer insurance in Georgia
Learn about business insurance requirements and the most common policies for photographers and videographers in Georgia.
Which policies are required for photographers and videographers in Georgia?
General liability insurance is one of the most common insurance policies for photographers and videographers in Georgia. If you have a commercial lease, your property manager may require you to purchase a policy. General liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
Your clients may require professional liability insurance in a contract. This policy provides financial protection if a client files a lawsuit claiming your work caused financial harm because you lost important files, missed deadlines, or didn't deliver agreed-upon photo and video services.
State law in Georgia requires every small business with three 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 with a hired and non-owned policy, as well.
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What are the most common policies for Georgia photographers and videographers?
Photographers and videographers in Georgia 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, drive for work, or shoot on city properties. Some cities and municipalities require certain coverage in order to use public parks, like Atlanta.
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 sometimes qualify for a business owner’s policy, or 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 photographer or other provider of professional services. 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
Photography or video production businesses in Georgia are required to carry workers’ compensation coverage if they have three or more employees. If an injury occurs on the job, medical fees and missed wages can result in tremendous financial loss.
Workers’ compensation acts as a financial safety net when you or an employee has a work-related illness or injury. If you are a sole proprietor, the coverage is optional but still recommended.
Commercial auto insurance
Any Georgia 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 Georgia?
According to Insureon's customer data, photography business insurance and video production insurance costs about the same in Georgia as it does across the United States.
Georgia photographers and videographers pay a median of about $425 a year for a general liability policy, or $500 annually if they bundle it with commercial property insurance by purchasing a BOP. Errors and omissions coverage costs a median of $320 annually for Georgia photographers and videographers.
When purchasing workers' compensation insurance, Georgia photographers and videographers generally pay less than the national median – though the rate depends on the number of employees.
Save time and money with Insureon
Insureon’s industry-leading technology helps photo and video professionals in Georgia 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 Georgia 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: November 16, 2022
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