FAQ_category: (HIDDEN) Industry FAQs

Yes! Wedding shoots bring unique risks: 

• Outdoor settings, large groups, and one-time events increase exposure. 

• Wedding insurance typically includes: general liability, professional liability, and equipment coverage. 

• Having on-site protection can be contractually required by venues or clients. 

Most photographers should consider: 

• General Liability Insurance – covers third-party bodily injury (e.g., someone trips on your tripod) and property damage. 

• Professional Liability (E & O) – protects against client claims like lost photos, missed shots, or unsatisfactory work. 

• Equipment Insurance (Inland Marine) – provides coverage for your cameras, lenses, lights, and gear—on-location or in transit. 

• Commercial Property Insurance – protects studio space and fixed equipment from events like fire or theft. 

• Commercial Auto Insurance – required if you use a vehicle for photo shoots or equipment transport. 

• Workers’ Compensation Insurance – legally required in most states if you have employees or assistants. 

• Cyber Liability Insurance – important if you store client images or sensitive data digitally. 

Yes! Even as a solo operator, you can be held liable for accidents on set, property damage, or disputes over deliverables. Many venues and clients require proof of insurance before allowing filming. 

Having coverage not only protects your finances but also reassures clients you run a professional operation. 

On average, videographers pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Yes! If you have equipment coverage (often called inland marine insurance), it can cover repair or replacement costs if your gear is: 

• Stolen 

• Damaged 

• Lost. 

Coverage can extend to shoots on location, in studios, or while traveling.