Photography & Videography Business Insurance Coverage Checklist
The coverages a photography & videography business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for photographers and videographers. Priorities reflect typical exposure for this class; confirm against specialties and where work takes place.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (E&O) | Covers claims over lost, corrupted, or late images, missed coverage, and no-shows. | Core | |
| Equipment / Inland Marine | Covers cameras, lenses, drones, and lighting anywhere — at shoots, in transit, and while traveling. | Core | |
| Commercial General Liability | Covers injuries and property damage at venues and shoots; most venues require it. | Core | |
| Media / IP Liability | Covers copyright, privacy, and right-of-publicity claims from images you publish or license. | Prevalent | |
| Cyber Liability | Covers client galleries and data, including sensitive images. | Situational | |
| Hired & Non-Owned Auto | Covers driving to shoots in a personal vehicle. | Situational | |
| Drone / Aviation Liability | Needed for drone work — general liability typically excludes drones. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is professional liability for lost work. A wedding or event can't be reshot, and courts may award damages beyond the fee when irreplaceable images are lost to a failed card or drive; a state attorney general sued a wedding photographer in 2026 over $75,000 in undelivered work. General liability doesn't cover these claims. Dual-card cameras, same-day off-site backups, and a contract that limits liability are the best protection, alongside an E&O policy.
Send us the checklist and we'll review your photography & videography business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Photography & Videography Business Insurance · Photography & Videography Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a photography & videography business business need?
The core coverages for a photography & videography business business are Professional Liability (E&O), Equipment / Inland Marine, Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my photography & videography business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.