Workers Compensation for Solo Photographers and Videographers
Most individual photographers and videographers aren’t required to carry workers compensation insurance. In fact, many states exclude business owners from purchasing a workers compensation policy if they have no employees.
It can be confusing when a client asks about workers comp (especially when it’s just you doing all the work). We’ll guide you through what you need to know about workers comp as a solo business owner and help you explore other essential coverages.
Check Your State’s Workers Compensation Rules for Sole Proprietors
Workers compensation rules are set by each state, so check your local guidelines to see whether your business needs to carry coverage and if sole proprietors are eligible.
If you aren’t required to carry workers’ compensation but a client or contract requires proof, your state may offer an exemption or waiver. Use the resources below to review the rules where you live.
More Ways to Protect Your Photography or Videography Business
Even without employees, your business still faces everyday risks. That’s why Full Frame Insurance (FFI) specializes in insurance tailored to the photography industry, helping solo professionals protect their business, gear, and livelihood. Here are some of the key coverages we offer:
- General Liability: Covers common third-party claims like injuries, property damage, and advertising mistakes that are interpreted as libel, slander, or copyright infringement
- Professional Liability Insurance: Financially protects you from claims related to the services you provide
- Camera Equipment Coverage: Insures your camera and gear if it gets damaged or stolen
- Data Theft Protection (Cyber Liability Insurance): Responds to claims caused by cybercrime, like ransomware and data breaches
We protect you while you’re capturing once-in–a-lifetime moments. Our coverage is designed to be fast, affordable, and easy to obtain for sole proprietors like you.
FAQs About Workers Compensation for Sole Proprietors
Do I need workers compensation as a solo photographer or videographer?
Probably not. Many states do not require workers compensation if you have no employees. Some states count certain owners or officers as employees, and rules change if you bring on help (even part-time employees). Use the state links on this page to confirm what applies where you work.
How do I prove to a client that I’m exempt?
Most states offer an exemption or waiver (often called a “certificate of exemption” or “election to be exempt”). Follow your state’s link to request it. Keep a copy with your records and share it with clients or venues that ask for workers comp.
What if I occasionally hire a second shooter or assistant?
Hiring anyone as an employee can trigger a requirement to carry workers compensation. If you use independent contractors, verify their status under your state’s rules and ask for proof of their own coverage when required. Check the state link before the job — requirements can vary even for short, one-day hires.
I work in multiple states. Which rules apply to me?
Start with the state where the work happens. Some states also consider the location of your business. If you travel for shoots, review each relevant state’s guidance and keep documentation, including any exemptions, up to date.
Will forming an LLC or S-Corp change whether I need workers comp?
It might. Some states require coverage for certain owners or officers, while others let you exclude yourself if you file the proper form. If you change your business structure, revisit your state’s guidance and update any exemption or waiver as needed.