How Much Does Photography Insurance Cost
for Freelance Photographers and Videographers?

As a freelance videographer and photographer, you're used to dealing with uncertainty. You might not know when your next big job will come. You're careful with your money and always have a backup plan for lean months. But what about the cost of a lawsuit? If your business is sued and suddenly has tens of thousands of dollars in legal bills, you could be forced to file for bankruptcy. Freelance videographer and photographer insurance protects you from this risk by covering the cost of many common business lawsuits.

Your premiums will depend on the size of your business and other factors, but let's look at some ballpark cost estimates that will help you budget for your freelancer insurance.

To see how the cost of Photographer Insurance compares with other industries, visit Insureon's 2014 Business Insurance Cost Analysis New browser window icon..

Note: Sample insurance quotes are only estimates. Actually costs will vary.

HOW MUCH IS
General Liability Insurance?

How Much Is General Liability Insurance?

General Liability Insurance, a coverage that pays for a videographer's or photographer's third-party lawsuits over property damage and bodily injury, is often required by office leases and contracts. If clients, landlords, models, actors, or other third parties sue you over damaged property, personal injury, or reputational damage, GL can pay for your legal defense and cover the damages you owe.

General Liability Insurance for freelance photographers and videographers typically costs $425 to $429.

Average Premiums, Deductibles and Limits on General Liability Insurance Policies for Freelance Photographers and Videographers
Name USD

Median policy premium:

$425 - $429

Per claim limit:

$1,000,000

Policy limit:

$2,000,000

Median policy deductible:

Varies

HOW MUCH IS
a Business Owner's Policy?

What Does a Business Owner's Policy Cost?

Instead of buying Property Insurance and General Liability Insurance separately, freelance photographers and videographers can get a Business Owner's Policy, which packages these coverages at a discount. You'll get GL lawsuit coverage, as well as Property coverage for cameras, video equipment, and all your gear.

Freelance photographer BOPs typically costs $500 to $520.

Average Premiums, Deductibles and Limits on Business Owner's Policies for Freelance Photographers and Videographers
Name USD

Median policy premium:

$500 - $520

Per claim limit:

$1,000,000

Policy limit:

$2,000,000

Median policy deductible:

$250

HOW MUCH IS
Professional Liability Insurance?

How Much Does Professional Liability Insurance Cost?

Errors and Omissions Insurance pays a freelancer's legal costs when clients sue them over a job. When clients are unsatisfied with your work, claim you've made errors, and sue you, Errors and Omissions Insurance for freelance videographers and photographers can cover your lawyer's fees, court costs, and the damages you owe in a settlement / judgment.

Freelance videographer and photographer Errors and Omissions Insurance typically costs $340 to $750.

Average Premiums, Deductibles and Limits on Professional Liability Insurance Policies for Freelance Photographers and Videographers
Name USD

Median policy premium:

$340 - $750

Median policy limit:

$1,000,000

Median policy deductible:

$1,000

HOW MUCH IS
Umbrella Insurance?

What Does Umbrella Insurance Cost?

Umbrella Insurance adds $1 million in lawsuit coverage that freelance photographers and videographers can spend on to General Liability, Hired and Non-Owned Auto Liability, and Employer's Liability lawsuits. If a GL lawsuit costs $1.5 million, but you only have $1 million in GL coverage, you can use Umbrella Insurance to pay for the $500,000 shortfall. Umbrella Insurance protects your business from the cost of an exceptionally expensive small business lawsuit.

Umbrella Insurance for freelance photographers and videographers typically costs $404.

Average Premiums, Deductibles and Limits on Umbrella Insurance Policies for Freelance Photographers and Videographers
Name USD

Median policy premium:

$404

Median policy limit:

$1,000,000

Self-insured retention:

$10,000

HOW MUCH IS
Workers' Comp?

How Much Is Workers' Compensation?

Depending on their state laws, freelance photographers and videographers might need Workers' Compensation Insurance (also called Workman's Comp). In some states, independent contractors and microbusinesses with only a few employees won't need Workers' Comp. But other states will require this coverage. Workers' Comp pays for medical bills, lost wages, and other costs if an employee (or covered contractor) is injured on the job.

Workers' Compensation Insurance for freelance photographers typically costs $671 to $2,012.

Average Premiums, Deductibles and Limits on Workers' Compensation Insurance Policies for Freelance Photographers and Videographers
Name USD

Median policy premium:

$671 - $2,012

Per claim limit:

$1,000,000

Median policy limit:

$1,000,000

Median policy deductible:

Varies

Free Quotes of Photo and Video Freelancer Insurance

Insureon's agents have insured over a thousand freelance videographers and photographers, helping them find strong, affordable coverage to protect their financial security and fit the limitations of their budget. To get free quotes on freelancer insurance, use our online insurance application.

Grab-n-Go Information

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