A reader recently asked the question, "is it recommended or mandatory to have insurance? " And he pointed out that he couldn't find the answer on here on the blog.
This is an over sight on my part. I have a section in my book The Business of Real Estate Photography on insurance but I need to address the subject here too.
The answer is "yes, real estate photographers should carry general business liability insurance." It is generally good business practice to have you and your employees covered by insurance that will cover any thing you may damage in a property you are shooting.
Along with general business liability insurance you need to have your equipment insured. You should be able to get a general business insurance policy that covers your business for liability and for loss of your equipment for somewhere between $500 to $1,200 a year depending on the details and extent of your coverage.
Here are some contacts for business insurance brokers that specialize in coverage for Photographers:
Check out what works best for you, you'll be glad you did.