Photographer insurance that actually covers the gear.
Equipment coverage, GL for venues, professional liability, and drone liability for photographers and videographers. Lower broker commissions and 24-hour turnaround.
Why Delegance Brokerage
Achieve an average of 60% reduction in commission costs.
Most brokers bake 15–20% commission into your premium. We negotiate ours down and shop the risk across the carriers actually competing for your class. Identical coverage, lower spend.
Reduction in broker commissions vs traditional firms
Annual savings for our largest single client
From submission to quotes back, on most classes
How it works
Onboard in minutes. Quotes in 24 hours.
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Save up to 60% on broker commissions vs traditional brokerages.
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Gear scheduled the way you actually carry it — bodies, lenses, lighting, and drones in transit, on location, and in the vehicle. Theft-from-vehicle terms read before bind, not after the claim.
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Venue COIs with additional-insured wording in minutes — never lose a booking because the certificate did not arrive before the event.
Carriers we shop in Photographers & Videographers
Coverage
What we quote in Photographers & Videographers
Equipment (Inland Marine)
Cameras, lenses, lighting, drones — scheduled or blanket, covered in transit, on location, and in the studio.
General Liability
A guest trips over your light stand at a wedding, a backdrop damages the venue — the coverage venues require before you shoot.
Professional Liability
Lost or corrupted files, missed coverage of key moments, reshoots — claims arising from the work itself.
Drone Liability
Aviation liability for commercial drone operations, placed alongside hull coverage on the equipment schedule.
Hired & Non-Owned Auto
Rented vehicles and second-shooter cars used on production.
Cyber Liability
Client galleries, contracts, and payment data — breach response sized to your delivery stack.
Frequently Asked
Photographers & Videographers insurance questions, answered.
What does photographer insurance typically cost?
Premium depends on scheduled equipment value, annual revenue, the work mix (weddings and events vs. commercial vs. real estate), drone operations, whether you hire second shooters, and prior loss history. A solo portrait photographer prices very differently than a video production crew with a drone program. Final cost is subject to underwriting and policy terms.
Does it cover gear stolen from my car?
Equipment coverage is written on an inland marine form precisely because gear moves — in transit, on location, and in the vehicle between the two. Theft from an unattended vehicle is the claim photographers actually file, and policy terms differ on it: some forms require visible signs of forced entry, some sublimit it, some exclude overnight vehicle storage. We read those terms before bind and place with carriers whose wording matches how you actually work.
My venue requires a Certificate of Insurance — can you handle that?
Yes. Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Venues typically want to be named as additional insured with specific GL limits — that wording is produced within minutes after a licensed broker confirms it. There is no per-COI fee, which matters when every wedding venue on your calendar wants its own certificate.
Is my drone covered?
Not under a standard GL policy — aircraft exclusions on the CGL form apply to drones. Commercial drone work needs aviation/drone liability placed specifically, and the drone itself plus gimbals and payloads sit on the equipment schedule for hull coverage. Carriers generally expect Part 107 certification and will ask about flight logs and operating environment. Coverage availability and terms vary by carrier and the operations you fly.
What happens if I lose a client's wedding photos?
That is a professional liability claim, not an equipment claim — corrupted cards, failed backups, a missed ceremony, or deliverables a client says fall short of the contract. Professional liability covers the resulting damages and defense; equipment coverage only pays for the hardware. For wedding and event work where the moment cannot be reshot, this is the line that protects the business, alongside a disciplined backup workflow that some carriers will ask about.
What policies does a photographer or videographer need?
A typical program includes equipment coverage on an inland marine form, General Liability sized to venue requirements, Professional Liability for the work itself, drone liability if you fly commercially, Hired and Non-Owned Auto for production vehicles, and cyber if you store client galleries and payment data. Coverage is subject to underwriting.
How does Delegance reduce broker commissions?
Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.
See what your number looks like.
Send your current declarations page or answer a few questions. We'll have quotes from the carriers competing for your class within 24 hours.
No call required. A licensed broker reads every submission.
Reach us how you work