You wouldn’t let an uninsured roofer climb around on your house, right? Or hire a cable guy who doesn’t know a wrench from a wire cutter? Hiring a photographer without liability insurance is the same gamble — just with nicer lighting.
Most licensed trades — like electricians and plumbers — are required to carry liability insurance. Photography isn’t regulated the same way, but that doesn’t mean it’s any less risky.
You should always ask your photographer for proof of insurance.
Here’s why it matters: If something gets broken, someone gets hurt, or a piece of equipment goes rogue during your photoshoot, liability insurance ensures the photographer is responsible — not you or your company. At Altitude Arts, I carry $2 million in liability coverage, plus additional protections, because accidents happen, and it’s better to be ready than sorry.
Pro tip:
When you book a photographer for corporate headshots, event photography, or any location portraits, ask for a Certificate of Insurance (COI) — the standard proof document, often called an ACORD certificate. If you want extra protection, you can request that your company be listed as an “Additional Insured” on the policy (sometimes with a small fee). It’s like getting your name added to the “safety first” guest list.
Not sure if it’s necessary? Ask your HR department. I guarantee the answer will be an enthusiastic yes — faster than you can say “risk management.”
You can also check out a quick column by Gordon Rudd, CISSP (a risk expert) here. if you want a second opinion from someone who lives and breathes this stuff.
A quick heads-up if you’re booking on behalf of a company:
Many corporate HR departments have clear photography insurance requirements for businesses built right into their event planning or contractor policies. It’s not just a good idea — it’s often required. Double-check the fine print before your shoot date to make sure everyone (including me) is covered and good to go.
Not sure? Ask HR. The answer will be an unequivocal yes!
And if you’re a fellow photographer reading this, check out more information on my ASMP Benefits post.