Workers’ Compensation Insurance (often called “workers’ comp”) is a specialized coverage that protects employees and employers when work-related injuries or illnesses occur. For photography, videography, and drone service businesses, workers may face risks on location shoots, in studios, or while transporting gear. This insurance helps cover medical costs, rehabilitation, lost wages, and legal liabilities arising from workplace incidents.

Unlike general liability, which covers third parties’ claims (e.g. a client slips and is injured), workers’ compensation safeguards your own team. If an assistant trips over cables during a shoot or sustains a strain moving heavy equipment, workers’ comp ensures they receive medical care and support without placing the full financial burden on the business. In many states—including California—it is legally required once you have one or more employees.
Because you might already carry other coverages like general liability or a business owner’s policy, workers’ compensation complements them. It’s an integral part of a full insurance strategy for photographers and videographers, ensuring that your team is protected even when the unexpected happens. For more on liability coverage, check our general liability page: General Liability Insurance California