Photographer insurance guide
Commercial photography insurance
Commercial shoots bring contracts, crews, rented locations, and rented gear, each with its own insurance requirement.
Contract requirements
- Limits for general and professional liability
- Additional insured and waiver of subrogation wording
- Workers' compensation for crew
- Coverage for rented equipment and locations
- Proof of insurance before the shoot
Real estate and architectural photography
Shooting inside clients' properties adds property damage exposure and, for drone work, aviation rules. See drone photography insurance.
Product and studio work
Client products in your care may need bailee or care, custody, and control coverage, since general liability often excludes property in your care.
Request a quote for commercial photography.
Frequently asked questions
What do corporate clients require?
Often general liability, professional liability, workers' compensation if you have employees, and auto coverage, with specific limits and additional insured wording.
Are rented locations covered?
General liability may cover damage to premises rented to you, often with a sublimit. Location agreements may require more.
What about crew injuries?
Employees need workers' compensation; freelancers should carry their own coverage.
More coverage and guides
- Camera and gear insurance
- General liability for photographers
- Professional liability for photographers
- Wedding photographer insurance
- Commercial photography insurance
- Videographer insurance
- Drone photography insurance
- Venue certificates of insurance
- What affects photographer insurance cost
- Protecting gear from theft
- Photographer insurance application checklist
Last updated October 15, 2026 · How we research