Business Owner’s Policy

A Business Owner’s Policy (BOP) combines multiple essential coverages into one convenient package, making it ideal for photography, videography, and drone businesses. While many creative professionals purchase general liability and property coverage separately, a BOP bundles them, often resulting in cost savings and simplified administration. For photographers and videographers, a BOP may include liability, property, and business interruption protection tailored to your operations.

By choosing a BOP, you reduce the hassle of managing multiple policies. Instead of tracking separate contracts for equipment coverage, liability, and studio property, you handle everything in one place. This integration is especially helpful if you run a combined photography/video studio or often switch between on-site shoots and studio-based sessions.

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Why a BOP Is Essential for Creative Businesses

Photography, videography, and drone operations carry unique risks that a standard business policy may not address. For creatives, the physical and liability exposures are high, and a BOP addresses many of them in a unified way. For instance, while general liability handles third-party injury or property damage, commercial property protection within the BOP helps when your studio, gear, or storage location suffers damage from fire, theft, or vandalism.

Moreover, many clients and venues demand proof of comprehensive insurance. Having a BOP signals professionalism and reliability, making it easier to secure high-end contracts and partnerships. The bundled nature of a BOP can also offer better pricing referral because insurers often give discounts when multiple coverages are bundled.

Because your equipment (drones, cameras, lighting, computers) is likely your most expensive business asset, protecting it matters. The property component of a BOP can cover those assets on location or in your studio.

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Drone Photographer Insurance

How a BOP Works for Photographers, Videographers, & Drone Operators

When you apply for a BOP tailored to photography and video, the insurer assesses your business’s size, location, revenue, equipment value, clients, and operations (studio, location, drone flights). Based on that, they propose coverage limits and optional add-ons suited to your risk profile.

Your policy will include liability protection—for claims of bodily injury or property damage during your shoots. So if someone trips over your lighting or a drone wing clips a neighbor’s roof, your coverage responds. Then you have property coverage which protects your physical assets—gear, studio, computers, and even improvements.

You can also add business interruption coverage. For example, if a storm makes your studio unusable, the policy steps in to help with rent, wages, and ongoing expenses while you rebuild. Many BOPs allow endorsements such as adding drone liability, additional insureds (venues, clients), or inland marine coverage for mobile equipment.