Photographer and videographer insurance in Texas

Texas had 1,118 photography studios and services with paid employees in 2023, and BLS estimates 4,330 photographers on payrolls. Many more work for themselves. This page covers the state's photography and video industry, what moves a photographer's quote, and city guides.

Texas photography and video industry

U.S. Census Bureau CBP 2023 (NAICS 54192, 541921, 541922, 512110, 711510); BLS OEWS May 2025 (27-4021, 27-4032; payroll workers only); ACS 2020–2024 (B08301).

What moves a Texas photographer's quote

1. Specialty: weddings and events, portraits, commercial, real estate, video.
2. Gear value and deductible.
3. Revenue.
4. Drones and FAA certification.
5. Assistants and second shooters.
6. Studio space.
7. Travel outside Texas.
8. Claims history.

Pricing details: photographer cost factors. Venue paperwork: certificates of insurance.

Insurance oversight in Texas

The Texas Department of Insurance regulates insurers and agents in Texas. Federal rules matter too: commercial drone work falls under FAA Part 107 wherever you shoot. See drone photography insurance.

Photographer guides for Texas cities

• Houston
• Pasadena
• Austin
• Dallas
• Garland
• Grand Prairie
• Irving
• Arlington
• Fort Worth
• Frisco
• McKinney
• Plano
• San Antonio
• Round Rock
• Carrollton
• Denton
• Lewisville
• El Paso
• McAllen
• Lubbock
• Pearland
• Corpus Christi
• Killeen
• Waco
• Midland
• College Station
• Laredo
• Amarillo
• Abilene
• Brownsville

Photography coverage topics

• 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

Smaller Texas towns

Photographers anywhere in Texas can request coverage. The rest of the state's towns, grouped by county:

Andrews County

Andrews

Armstrong County

Claude

Bailey County

Muleshoe

Bandera County

Bandera

Baylor County

Seymour

Bee County

Beeville

Brewster County

Alpine

Brooks County

Falfurrias

Childress County

Childress

Cottle County

Paducah

Crane County

Crane

Culberson County

Van Horn

Deaf Smith County

Hereford

Edwards County

Rocksprings

Foard County

Crowell

Franklin County

Mount Vernon

Garza County

Post

Gillespie County

Fredericksburg

Goliad County

Goliad

Hartley County

Channing

Hemphill County

Canadian

Hudspeth County

Dell City

Irion County

Mertzon

Jeff Davis County

Valentine

Kendall County

Boerne

Kent County

Jayton

Kimble County

Junction

Kleberg County

Kingsville

Marion County

Jefferson

Martin County

Stanton

Mason County

Mason

Maverick County

Eagle Pass

Menard County

Menard

Newton County

Newton

Ochiltree County

Perryton

Potter County

Bishop Hills

Reagan County

Big Lake

Roberts County

Miami

Schleicher County

Eldorado

Scurry County

Snyder

Somervell County

Glen Rose

Stephens County

Breckenridge

Sterling County

Sterling City

Stonewall County

Aspermont

Sutton County

Sonora

Tom Green County

San Angelo

Val Verde County

Del Rio

Victoria County

Victoria

Wilbarger County

Vernon

Zavala County

Crystal City

Aransas County

Fulton + Rockport

Briscoe County

Quitaque + Silverton

Camp County

Rocky Mound + Pittsburg

Cochran County

Whiteface + Morton

Coke County

Bronte + Robert Lee

Collingsworth County

Dodson + Wellington

Concho County

Paint Rock + Eden

Dallam County

Texline + Dalhart

Delta County

Pecan Gap + Cooper

Dickens County

Dickens + Spur

Ector County

Goldsmith + Odessa

Erath County

Dublin + Stephenville

Fisher County

Roby + Rotan

Floyd County

Lockney + Floydada

Frio County

Dilley + Pearsall

Gaines County

Seagraves + Seminole

Hamilton County

Hico + Hamilton

Hansford County

Gruver + Spearman

Hardeman County

Chillicothe + Quanah

Jack County

Bryson + Jacksboro

Kerr County

Ingram + Kerrville

Kinney County

Spofford + Brackettville

La Salle County

Encinal + Cotulla

Lee County

Lexington + Giddings

Live Oak County

Three Rivers + George West

Madison County

Midway + Madisonville

Matagorda County

Palacios + Bay City

Mcculloch County

Melvin + Brady

Mills County

Mullin + Goldthwaite

Motley County

Roaring Springs + Matador

Oldham County

Adrian + Vega

Pecos County

Iraan + Fort Stockton

Presidio County

Marfa + Presidio

Real County

Leakey + Camp Wood

Sabine County

Pineland + Hemphill

San Augustine County

Broaddus + San Augustine

San Saba County

Richland Springs + San Saba

Shackelford County

Moran + Albany

Sherman County

Texhoma + Stratford

Throckmorton County

Woodson + Throckmorton

Trinity County

Groveton + Trinity

Upton County

Rankin + McCamey

Uvalde County

Sabinal + Uvalde

Washington County

Burton + Brenham

Webb County

El Cenizo + Rio Bravo

Winkler County

Wink + Kermit

Yoakum County

Plains + Denver City

Anderson County

Frankston + Elkhart + Palestine

Bastrop County

Smithville + Elgin + Bastrop

Blanco County

Round Mountain + Blanco + Johnson City

Brazos County

Wixon Valley + Kurten + Bryan

Burleson County

Snook + Somerville + Caldwell

Calhoun County

Point Comfort + Seadrift + Port Lavaca

Castro County

Nazareth + Hart + Dimmitt

Coleman County

Novice + Santa Anna + Coleman

Colorado County

Weimar + Eagle Lake + Columbus

Comanche County

Gustine + De Leon + Comanche

Crosby County

Lorenzo + Crosbyton + Ralls

Dawson County

Los Ybanez + Ackerly + Lamesa

Dewitt County

Nordheim + Yorktown + Cuero

Dimmit County

Big Wells + Asherton + Carrizo Springs

Donley County

Hedley + Howardwick + Clarendon

Duval County

Benavides + Freer + San Diego

Gray County

Lefors + McLean + Pampa

Howard County

Forsan + Coahoma + Big Spring

Jackson County

La Ward + Ganado + Edna

Jasper County

Browndell + Kirbyville + Jasper

Jim Wells County

Orange Grove + Premont + Alice

Lampasas County

Lometa + Kempner + Lampasas

Llano County

Sunrise Beach Village + Llano + Horseshoe Bay

Mitchell County

Westbrook + Loraine + Colorado City

Montague County

St. Jo + Nocona + Bowie

Moore County

Sunray + Cactus + Dumas

Nolan County

Blackwell + Roscoe + Sweetwater

Panola County

Gary City + Beckville + Carthage

Parmer County

Farwell + Bovina + Friona

Rains County

Point + East Tawakoni + Emory

Reeves County

Toyah + Balmorhea + Town of Pecos

Runnels County

Miles + Winters + Ballinger

San Jacinto County

Point Blank + Coldspring + Shepherd

Swisher County

Kress + Happy + Tulia

Terry County

Wellman + Meadow + Brownfield

Walker County

Riverside + New Waverly + Huntsville

Wharton County

East Bernard + Wharton + El Campo

Wheeler County

Mobeetie + Wheeler + Shamrock

Willacy County

San Perlita + Lyford + Raymondville

Young County

Newcastle + Olney + Graham

Brown County

Blanket + Bangs + Early + Brownwood

Caldwell County

Mustang Ridge + Martindale + Luling + Lockhart

Callahan County

Putnam + Cross Plains + Baird + Clyde

Carson County

Skellytown + Groom + White Deer + Panhandle

Comal County

Spring Branch + Garden Ridge + Bulverde + New Braunfels

Falls County

Lott + Golinda + Rosebud + Marlin

Gonzales County

Smiley + Waelder + Nixon + Gonzales

Hall County

Lakeview + Estelline + Turkey + Memphis

Hopkins County

Tira + Cumby + Como + Sulphur Springs

Hutchinson County

Sanford + Stinnett + Fritch + Borger

Karnes County

Falls City + Runge + Kenedy + Karnes City

Knox County

Goree + Benjamin + Knox City + Munday

Lavaca County

Moulton + Shiner + Hallettsville + Yoakum

Lipscomb County

Darrouzett + Higgins + Follett + Booker

Lynn County

New Home + Wilson + O'Donnell + Tahoka

Morris County

Omaha + Lone Star + Naples + Daingerfield

Randall County

Palisades + Timbercreek Canyon + Lake Tanglewood + Canyon

Refugio County

Austwell + Bayside + Woodsboro + Refugio

Robertson County

Bremond + Calvert + Franklin + Hearne

Starr County

La Grulla + Escobares + Roma + Rio Grande City

Titus County

Miller's Cove + Winfield + Talco + Mount Pleasant

Tyler County

Chester + Colmesneil + Ivanhoe + Woodville

Wilson County

La Vernia + Stockdale + Poth + Floresville

Chambers County

Cove + Old River-Winfree + Anahuac + Beach City + Mont Belvieu

Coryell County

South Mountain + Oglesby + Evant + Gatesville + Copperas Cove

Freestone County

Kirvin + Streetman + Wortham + Fairfield + Teague

Hale County

Edmonson + Petersburg + Hale Center + Abernathy + Plainview

Hardin County

Rose Hill Acres + Sour Lake + Kountze + Silsbee + Lumberton

Harrison County

Uncertain + Scottsville + Waskom + Hallsville + Marshall

Haskell County

O'Brien + Weinert + Rochester + Rule + Haskell

Houston County

Latexo + Kennard + Lovelady + Grapeland + Crockett

Jones County

Lueders + Hawley + Hamlin + Anson + Stamford

Medina County

LaCoste + Natalia + Castroville + Devine + Hondo

Milam County

Buckholts + Milano + Thorndale + Cameron + Rockdale

Nacogdoches County

Chireno + Appleby + Cushing + Garrison + Nacogdoches

Palo Pinto County

Mingus + Gordon + Strawn + Graford + Mineral Wells

Polk County

Seven Oaks + Goodrich + Corrigan + Onalaska + Livingston

Red River County

Annona + Avery + Detroit + Bogata + Clarksville

Rusk County

Mount Enterprise + New London + Tatum + Overton + Henderson

Shelby County

Huxley + Joaquin + Tenaha + Timpson + Center

Upshur County

Union Grove + East Mountain + Ore City + Big Sandy + Gilmer

Angelina County

Zavalla + Burke + Huntington + Diboll + Hudson + Lufkin

Archer County

Megargel + Windthorst + Scotland + Lakeside City + Archer City + Holliday

Atascosa County

Christine + Charlotte + Poteet + Lytle + Jourdanton + Pleasanton

Clay County

Jolly + Bellevue + Byers + Dean + Petrolia + Henrietta

Cooke County

Callisburg + Road Runner + Valley View + Lindsay + Muenster + Gainesville

Eastland County

Carbon + Rising Star + Gorman + Ranger + Eastland + Cisco

El Paso County

Clint + Vinton + Anthony + San Elizario + Horizon City + Socorro

Grimes County

Todd Mission + Anderson + Iola + Bedias + Plantersville + Navasota

Hockley County

Opdyke West + Smyer + Ropesville + Anton + Sundown + Levelland

Hood County

Stockton Bend + Lipan + Tolar + Cresson + DeCordova + Granbury

Lamar County

Sun Valley + Toco + Deport + Roxton + Blossom + Paris

Lamb County

Springlake + Amherst + Earth + Sudan + Olton + Littlefield

Limestone County

Tehuacana + Thornton + Kosse + Coolidge + Groesbeck + Mexia

Nueces County

Petronila + Driscoll + Agua Dulce + Bishop + Port Aransas + Robstown

Rockwall County

Mobile City + McLendon-Chisholm + Heath + Royse City + Fate + Rockwall

Waller County

Pattison + Pine Island + Waller + Brookshire + Hempstead + Prairie View

Ward County

Pyote + Barstow + Grandfalls + Wickett + Thorntonville + Monahans

Wichita County

Cashion Community + Pleasant Valley + Electra + Iowa Park + Burkburnett + Wichita Falls

Wood County

Yantis + Alba + Hawkins + Quitman + Winnsboro + Mineola

Austin County

South Frydek + Industry + Brazos Country + San Felipe + Wallis + Bellville + Sealy

Bosque County

Cranfills Gap + Iredell + Morgan + Walnut Springs + Valley Mills + Meridian + Clifton

Fayette County

Round Top + Carmine + Fayetteville + Ellinger + Flatonia + Schulenburg + La Grange

Leon County

Leona + Marquez + Oakwood + Normangee + Jewett + Centerville + Buffalo

Lubbock County

Buffalo Springs Lake + New Deal + Ransom Canyon + Idalou + Shallowater + Slaton + Wolfforth

Orange County

Rose City + Pine Forest + Pinehurst + West Orange + Vidor + Bridge City + Orange

Taylor County

Impact + Trent + Lawn + Buffalo Gap + Tuscola + Tye + Merkel

Van Zandt County

Edom + Fruitvale + Edgewood + Van + Grand Saline + Wills Point + Canton

Burnet County

Double Horn + Highland Haven + Cottonwood Shores + Meadowlakes + Bertram + Granite Shoals + Burnet + Marble Falls

Cherokee County

Cuney + Gallatin + Reklaw + Wells + New Summerfield + Alto + Rusk + Jacksonville

Gregg County

Warren City + Easton + Clarksville City + Lakeport + White Oak + Gladewater + Kilgore + Longview

Guadalupe County

Kingsbury + Staples + New Berlin + Santa Clara + Marion + Cibolo + Seguin + Schertz

Cass County

Domino + Marietta + Douglassville + Bloomburg + Avinger + Queen City + Hughes Springs + Linden + Atlanta

Jefferson County

Taylor Landing + Nome + Bevil Oaks + China + Port Neches + Groves + Nederland + Port Arthur + Beaumont

Bell County

Rogers + Holland + Little River-Academy + Salado + Troy + Morgan's Point Resort + Nolanville + Belton + Harker Heights + Temple

Bowie County

Leary + Redwater + Red Lick + Maud + De Kalb + Hooks + Nash + New Boston + Wake Village + Texarkana

Smith County

New Chapel Hill + Winona + Noonday + Arp + Troup + Hideaway + Bullard + Lindale + Whitehouse + Tyler

Fannin County

Ravenna + Windom + Bailey + Dodd City + Ladonia + Ector + Savoy + Trenton + Honey Grove + Leonard + Bonham

Hays County

Hays + Bear Creek + Mountain City + Niederwald + Uhland + Woodcreek + Wimberley + Dripping Springs + Buda + Kyle + San Marcos

Liberty County

Dayton Lakes + North Cleveland + Devers + Kenefick + Hardin + Daisetta + Ames + Plum Grove + Liberty + Dayton + Cleveland

San Patricio County

San Patricio + Lake City + Ingleside on the Bay + Gregory + Odem + Taft + Mathis + Sinton + Aransas Pass + Ingleside + Portland

Johnson County

Coyote Flats + Cross Timber + Briaroaks + Rio Vista + Grandview + Godley + Keene + Alvarado + Venus + Joshua + Cleburne + Burleson

Wise County

Lake Bridgeport + Paradise + Chico + Newark + Alvord + Aurora + New Fairview + Rhome + Runaway Bay + Boyd + Bridgeport + Decatur

Galveston County

Jamaica Beach + Tiki Island + Clear Lake Shores + Bayou Vista + Kemah + Hitchcock + Santa Fe + La Marque + Dickinson + Friendswood + Galveston + Texas City + League City

Hunt County

Neylandville + Hawk Cove + Union Valley + Campbell + Lone Oak + Celeste + Wolfe City + Poetry + Quinlan + West Tawakoni + Caddo Mills + Commerce + Greenville

Williamson County

Coupland + Weir + Thrall + Granger + Florence + Bartlett + Jarrell + Liberty Hill + Taylor + Hutto + Cedar Park + Leander + Georgetown

Hill County

Aquilla + Mertens + Bynum + Penelope + Carl's Corner + Malone + Covington + Mount Calm + Abbott + Blum + Hubbard + Itasca + Whitney + Hillsboro

Montgomery County

Woodloch + Stagecoach + Cut and Shoot + Woodbranch + Patton Village + Splendora + Roman Forest + Panorama Village + Montgomery + Oak Ridge North + Shenandoah + Magnolia + Willis + Conroe

Parker County

Cool + Sanctuary + Millsap + Annetta North + Peaster + Annetta South + Dennis + Hudson Oaks + Annetta + Reno + Springtown + Aledo + Willow Park + Weatherford

Ellis County

Alma + Bardwell + Pecan Hill + Milford + Garrett + Maypearl + Oak Leaf + Italy + Palmer + Ferris + Ovilla + Red Oak + Ennis + Midlothian + Waxahachie

Kaufman County

Cottonwood + Rosser + Grays Prairie + Oak Grove + Scurry + Post Oak Bend + Kemp + Oak Ridge + Combine + Talty + Crandall + Mabank + Kaufman + Terrell + Forney

Cameron County

Bayview + Indian Lake + Los Indios + Palm Valley + South Padre Island + Rio Hondo + Santa Rosa + Rancho Viejo + Combes + Laguna Vista + Port Isabel + Primera + La Feria + Los Fresnos + San Benito + Harlingen

Grayson County

Dorchester + Sadler + Knollwood + Tom Bean + Southmayd + Tioga + Bells + Whitewright + Collinsville + Gunter + Pottsboro + Howe + Whitesboro + Van Alstyne + Denison + Sherman

Travis County

Creedmoor + Webberville + San Leanna + Volente + Sunset Valley + Point Venture + Rollingwood + The Hills + Briarcliff + Jonestown + West Lake Hills + Bee Cave + Lago Vista + Lakeway + Manor + Pflugerville

Fort Bend County

Thompsons + Orchard + Kendleton + Simonton + Beasley + Fairchilds + Pleak + Arcola + Needville + Weston Lakes + Meadows Place + Richmond + Stafford + Rosenberg + Fulshear + Missouri City + Sugar Land

Navarro County

Powell + Goodlow + Emhouse + Navarro + Barry + Richland + Eureka + Oak Valley + Retreat + Angus + Mildred + Frost + Dawson + Blooming Grove + Rice + Kerens + Corsicana

Mclennan County

Ross + Leroy + Hallsburg + Crawford + Riesel + Gholson + Bruceville-Eddy + Moody + Lorena + Mart + Beverly Hills + West + McGregor + Lacy-Lakeview + Woodway + Bellmead + Robinson + Hewitt

Henderson County

Moore Station + Caney City + Coffee City + Poynor + Enchanted Oaks + Murchison + Star Harbor + Payne Springs + Trinidad + Log Cabin + Berryville + Eustace + Brownsboro + Seven Points + Malakoff + Tool + Chandler + Gun Barrel City + Athens

Collin County

New Hope + Weston + St. Paul + Blue Ridge + Nevada + Lowry Crossing + Farmersville + Parker + Lavon + Josephine + Lucas + Fairview + Murphy + Melissa + Anna + Princeton + Prosper + Celina + Wylie + Allen

Dallas County

Cockrell Hill + Wilmer + Hutchins + Highland Park + Sunnyvale + Addison + Glenn Heights + Seagoville + University Park + Balch Springs + Sachse + Farmers Branch + Duncanville + Lancaster + Coppell + Cedar Hill + DeSoto + Rowlett + Richardson + Mesquite

Hidalgo County

Progreso Lakes + Granjeno + Palmhurst + Edcouch + La Villa + Sullivan City + La Joya + Progreso + Elsa + Penitas + Hidalgo + Palmview + Donna + Mercedes + Alamo + Alton + San Juan + Weslaco + Pharr + Mission + Edinburg

Brazoria County

Quintana + Bonney + Sandy Point + Liverpool + Hillcrest Village + Surfside Beach + Bailey's Prairie + Holiday Lakes + Oyster Creek + Brookside Village + Danbury + Jones Creek + Brazoria + Sweeny + West Columbia + Richwood + Freeport + Clute + Iowa Colony + Manvel + Angleton + Lake Jackson + Alvin

Bexar County

Grey Forest + Hill Country Village + China Grove + Von Ormy + Somerset + Olmos Park + St. Hedwig + Elmendorf + Balcones Heights + Hollywood Park + Shavano Park + Castle Hills + Terrell Hills + Sandy Oaks + Windcrest + Alamo Heights + Kirby + Helotes + Leon Valley + Fair Oaks Ranch + Selma + Live Oak + Universal City + Converse

Harris County

Morgan's Point + Hilshire Village + Shoreacres + Southside Place + Hedwig Village + El Lago + Piney Point Village + Taylor Lake Village + Bunker Hill Village + Spring Valley Village + Hunters Creek Village + Nassau Bay + Jersey Village + Jacinto City + Galena Park + Webster + Seabrook + West University Place + Tomball + South Houston + Humble + Bellaire + Katy + Deer Park + La Porte + Baytown

Denton County

Corral City + Hebron + DISH + Lakewood Village + Bartonville + Cross Roads + Krugerville + Copper Canyon + Ponder + Hackberry + Shady Shores + Double Oak + Justin + Argyle + Pilot Point + Krum + Oak Point + Hickory Creek + Lake Dallas + Aubrey + Sanger + Providence Village + Northlake + Roanoke + Trophy Club + Highland Village + Corinth + The Colony + Little Elm + Flower Mound

Tarrant County

Westover Hills + Lakeside + Westlake + Dalworthington Gardens + Blue Mound + Pantego + Pelican Bay + Westworth Village + Edgecliff Village + Haslet + Lake Worth + Sansom Park + Everman + River Oaks + Richland Hills + Kennedale + Forest Hill + Azle + White Settlement + Crowley + Watauga + Benbrook + Colleyville + Saginaw + Southlake + Hurst + Haltom City + Keller + Bedford + Grapevine + Euless + North Richland Hills + Mansfield

Texas photographer questions

Data notes: establishment counts from Census County Business Patterns; occupation counts and wages from BLS OEWS; work-from-home share from the American Community Survey; city sizes from Census 2024 estimates.

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Last updated October 15, 2026 · How we research