Why Every Photographer and Videographer Should Consider Workers’ Compensation Insurance

Let’s face it—being a photographer or videographer isn’t just about snapping beautiful pictures or capturing the perfect footage. It’s about moving gear, traveling to locations, adjusting for lighting, and sometimes taking unexpected risks. So what happens if an accident strikes? If you’ve ever wondered, “Do I really need Workers’ Comp?” the answer is a big yes—and here’s why.

Workers’ Comp? But I’m a Photographer!

You might think of Workers’ Compensation as something for businesses with large crews and lots of employees. But the reality is, photographers and videographers face unique risks every day, and Workers’ Comp can be an essential backup, even for those of us running solo. Whether you’re working with a few team members, going it alone, or you’re the proud owner of a growing studio, Workers’ Comp gives you peace of mind and a way to handle unexpected costs if something goes wrong.

Top Reasons Photographers Benefit from Workers’ Comp

Here are some of the top ways Workers’ Comp can come to the rescue for photographers and videographers:

1. It Covers Medical Bills for Job-Related Injuries
   Maybe you’re scaling a steep hill to get that one-of-a-kind shot, or you trip over your own gear (hey, it happens!). If you get hurt, those medical bills can add up fast. Workers’ Comp takes care of everything from clinic visits to more extensive treatments, so you don’t have to dip into your hard-earned income.
2. It’s Your Lifeline for Lost Income
   Getting injured can mean days, weeks, or even longer without work. But when Workers’ Comp kicks in, it covers lost wages, keeping you financially afloat while you heal up. It’s a safety net that lets you focus on recovery without worrying about missed income from clients or projects.
3. Help with Rehab to Get You Back in Action
   Some injuries require a bit of rehab—maybe physical therapy to get your shoulder back in shape or occupational therapy so you can handle heavy equipment again. Workers’ Comp usually includes coverage for these recovery services, helping you get back to doing what you love.
4. Sole Proprietors, This One’s for You!
   If you’re a one-person show, you might assume regular health insurance will cover work injuries. Not so fast. Many health insurance plans don’t cover work-related incidents. Workers’ Comp steps in here, making sure work-related injuries are covered so you’re not left with out-of-pocket costs just because you’re self-employed.
5. Legal Protection for When You Have a Team
   Have an assistant or second shooter? If they get injured, Workers’ Comp also protects you from potential lawsuits by covering their medical costs. It’s a win-win that helps both you and your team move forward after an accident without the hassle of a legal back-and-forth.

Real-Life “Oops!” Moments Covered by Workers’ Comp

Let’s get real for a second: when you’re out on a shoot, a lot can happen. Here’s how Workers’ Comp would help in real-world photography scenarios:

• On-Location Mishaps: Say you’re doing a photoshoot in a field and you trip, sprain your ankle, and suddenly need medical attention. Workers’ Comp covers your treatment and even helps with income if you’re sidelined for a bit.
• Equipment Backaches: Hauling gear all day is no joke. If you strain your back lifting heavy equipment, Workers’ Comp can cover treatments, whether that’s a simple clinic visit or some helpful physical therapy sessions.
• Travel Troubles: For those who work on the go, any injuries sustained during work-related travel may also be covered. So whether you’re flying to a wedding shoot or road-tripping for a commercial gig, Workers’ Comp can help cover injuries while you’re on the clock.

Finding the Right Workers’ Comp Coverage with PackageChoice

At PackageChoice, we get it. You’re busy capturing life’s moments, and you need simple, effective protection that’s tailored to your line of work. We’re here to help photographers and videographers—whether it’s setting up solo coverage or adding protection for your team. With our Workers’ Comp plans, you’ll have one less thing to worry about so you can focus on doing what you do best.

Ready to Protect Your Business?

If you’re ready to secure that peace of mind, reach out to us at PackageChoice! We’ll walk you through the best coverage options and make sure you and your business are well-protected. Get in touch for a consultation, and we’ll get you set up with a plan that fits your unique needs.

Let us know if you have any questions—we’re here to help you focus on capturing life, safely!