Do You Need Insurance to Photograph at Certain Venues?

Some wedding venues welcome photographers without asking about insurance. Others won’t let you unpack your gear until you provide proof of coverage. If you regularly shoot weddings, it’s important to understand what venues might require — and why.

Insurance requirements can vary by venue, city, and state. Always confirm details directly with the venue and your licensed insurance provider before each event.

Why Venues Require Insurance

Many venues require photographers to carry liability insurance before they can work on-site. This protects the venue if something goes wrong — for example, if a guest trips over your light stand or your equipment damages the property.

Some venues also require you to list them as an “additional insured” on your policy for the day, which extends your coverage to them for the event.

Common Types of Insurance Venues May Require

• General Liability – May help protect against third-party injury or property damage claims during the event.
• Professional Liability – May help protect against certain claims of negligence or failure to deliver promised services.
• Equipment Coverage – Protects your cameras, lenses, and lighting gear against theft, damage, or loss.
• Workers’ Compensation – Required in some states if you have assistants or second shooters, even for one-day events.

Examples of Venue Requirements

• Hotels and Resorts – Often require $1M or more in general liability coverage and an additional insured certificate.
• Historic Estates or Museums – May have higher insurance requirements due to the value of property and risk of damage.
• Public Parks or Gardens – May require a permit with proof of liability insurance before issuing shooting access.

What Happens If You Don’t Have It?

Without required coverage, you may:

• Lose the booking entirely
• Have your access restricted (certain areas off-limits)
• Face financial liability if something goes wrong during the event

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 and the venue before the event.