Photography combines three exposures at once: working in public or on client premises (liability), carrying thousands of dollars of portable gear (property), and delivering a one-shot professional service where failure is costly (E&O — think a corrupted wedding card). Venues frequently require proof of liability insurance before allowing a shoot.
Educational guide, last reviewed July 30, 2026. Not insurance advice. See the GigCoverCalc methodology for how benchmark ranges are compiled, and consult a licensed insurance professional before making coverage decisions.