Do I Need Insurance if I’m a Part-Time or Freelance Wedding Photographer?

If you only shoot weddings occasionally or as a side business, you might wonder if insurance is necessary. After all, it’s not your full-time job — so do you really need it?

The short answer: in many cases, yes — but the exact coverage you need depends on where you work, the venues you shoot at, and how you operate your business.

Insurance requirements, availability, and costs vary by state and insurer. Always confirm details with a licensed insurance provider in your area.

Why Even Part-Time Wedding Photographers Need Insurance

• Venue Requirements – Many venues require photographers to carry liability insurance before they can work on-site — even for a single-day job.
• Client Confidence – Having insurance can make clients feel more comfortable booking you, especially for higher-priced packages.
• Unexpected Accidents – If a guest trips over your tripod or your light stand damages a wall, you could be financially responsible.

Key Types of Coverage to Consider

• General Liability – May help protect against third-party injury or property damage claims during an event.
• Professional Liability – May help protect against certain claims of negligence or failure to deliver promised services.
• Equipment Coverage – Helps protect your cameras, lenses, and lighting gear from theft, accidental damage, or loss.
• Workers’ Compensation – Required in some states if you hire an assistant or second shooter, even for a single event.

Event-Specific Policies for Occasional Shoots

If you don’t shoot often, you might not need year-round coverage. Some insurers offer short-term event policies that provide liability protection for a day, weekend, or month. These can be cost-effective if you shoot just a handful of weddings each year.

What Happens Without Coverage?

Without the right coverage, you may:

• Be unable to book certain venues that require proof of insurance
• Pay out-of-pocket for property damage or injury claims
• Lose income if your equipment is stolen or damaged before a shoot

Final Note: This article provides general information and is not legal or insurance advice. Coverage availability, terms, and requirements vary by insurer, policy, and location. Always confirm with your licensed insurance provider before making decisions.