Seguro para Photographers & Videographers
You carry $10K–$50K in gear to other people's most important moments. The exposure is real.
Equipment Heavy
Client Facing
Event Liability
Why photographers need their own coverage
Photography and videography combine three high-risk categories: expensive portable equipment, client-facing work with contractual obligations, and on-location shooting in environments you don't control. A wedding photographer who misses the ceremony, a videographer whose hard drive fails, a drone operator who crashes into property — all of these are real claims that happen regularly.
Most photographers start as hobbyists and scale into professionals without ever setting up business protection. By the time they're earning real money, they've accumulated $20,000–$50,000 in gear with no equipment coverage, a client roster with no liability protection, and a family depending on income with no disability or life insurance.
Prioridades de Cobertura
Equipment / Inland Marine Insurance
CRÍTICO
Cameras, lenses, lighting, drones, computers, hard drives. Your gear goes everywhere and is worth more than most cars. Inland marine covers theft, damage, and loss — at home, in transit, and on location.
Estimado: $400–$1,200/year for $20K–$50K in equipment
General & Professional Liability
CRÍTICO
General liability covers injuries on your shoots. Professional liability covers claims about your work — missed shots, lost files, failed deliverables. Wedding and event venues require proof of insurance.
Estimado: $500–$1,200/year combined
Health Insurance
CRÍTICO
Physical work — carrying gear, climbing, crouching, outdoor conditions. No employer plan behind you.
Estimado: Marketplace plans from $150–$500/month
Disability / Income Protection
ALTA PRIORIDAD
A hand injury, back injury, or eye condition can stop a photography career. Disability replaces income during recovery.
Estimado: 1–3% of annual income
Life Insurance
RECOMENDADO
Freelance income is volatile. Life insurance provides stability for dependents regardless of booking cycles.
Estimado: $25–$40/month for $500K term
Real risks photographers face
One bad shoot can cost more than a year of insurance premiums.
Camera bag stolen between locations
A wedding photographer's bag with two bodies and four lenses ($18,000) was stolen from an unlocked car during a venue change. Renter's insurance paid nothing — the gear was professional equipment in a vehicle.
Memory card failure loses an entire wedding
No backup. The only copy of the ceremony is gone. The couple sues for the cost of the wedding, emotional distress, and the photographer's fee. Professional liability covers the claim.
Drone crash damages property
A videographer's drone clips a tree and crashes into a parked car during an outdoor shoot. General liability covers the property damage. Without it, the videographer pays out of pocket.
¿Estás realmente cubierto?
Revisa tus brechas como photographer en 60 segundos.
Revisar Mi Cobertura
Gratis. Sin login. Creado por un corredor licenciado.
Preguntas Frecuentes
Do I need insurance as a freelance photographer?
Yes. If you have clients and professional equipment, you need at minimum equipment coverage and general liability. Most venues, corporate clients, and wedding planners require proof of insurance before booking. Professional liability covers the 'what if I lose the photos' scenario that every photographer dreads.
Does my camera warranty count as insurance?
No. Warranties cover manufacturer defects. They don't cover theft, accidental damage, loss, or damage to third-party property. Equipment insurance (inland marine) is a separate policy that covers what warranties don't.
How much does photographer insurance cost?
A full package (equipment + liability + health) runs $4,000–$9,000/year depending on gear value and client volume. Per-event liability certificates are available for $75–$150 per shoot if you need venue-specific coverage.
Habla con un corredor que entiende a los photographers & videographers
Vida, salud y discapacidad de 30+ aseguradoras. 15 minutos, sin costo.
Revisar Mi Cobertura
Hablar con un Agente
Nos especializamos en vida, salud y discapacidad para independientes.
Velocity Pro es una plataforma tecnológica creada por un corredor licenciado e independiente. Costos son estimados, no cotizaciones.
Términos ·
Privacidad