Photographer insurance guide
Wedding photographer insurance
Wedding work combines crowded venues, irreplaceable moments, and expensive gear, so wedding photographers usually need several coverages.
Core coverages
- General liability for venue requirements and guest injuries
- Professional liability for missed moments and lost images
- Equipment coverage for gear on location and in transit
- Hired and non-owned auto when driving to venues
Second shooters and assistants
Decide whether second shooters are employees or independent contractors, document it, and require independent shooters to carry their own insurance and equipment coverage.
Destination weddings
Check coverage territory for gear and liability before traveling, especially internationally.
Request a quote for wedding photography.
Frequently asked questions
Do wedding venues require insurance?
Most do, typically general liability with the venue as additional insured.
Are second shooters covered?
Employees may be covered under your policies; independent second shooters usually need their own coverage. Check your policy and contracts.
What if I am sick and miss a wedding?
Professional liability may respond to some claims; contracts should spell out substitute photographer provisions.
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