Businesses that provide still, video, or digital portrait and event photography (U.S. Census NAICS 541921), from a solo wedding photographer to a portrait studio.
U.S. Census NAICS 541921: Photography Studios, Portrait
What can go wrong for photography businesses?
- High-value camera gear stolen or damaged, often away from any fixed location.
- A missed shoot or lost images that a client sues over.
- Someone injured at a shoot or in the studio.
- A data breach exposing client photos or payment details.
What insurance does a photography business need?
Photography businesses typically carry inland marine (camera and lighting equipment) coverage that follows the gear anywhere, professional liability (errors and omissions) for missed shots or reshoot disputes, general liability, and cyber coverage if you store client images or payment data. The equipment and errors-and-omissions lines matter most here because the gear is portable and the product is a deliverable.
What does Georgia require?
If you hire staff, Georgia requires workers compensation at three or more employees (Georgia State Board of Workers Compensation, O.C.G.A. Sec. 34-9-2(a)(2)).
Source: Georgia State Board of Workers Compensation (O.C.G.A. Sec. 34-9-2(a)(2)).
Explore more Georgia insurance facts and statistics, each cited to a government or research source →
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