Sometimes yes, and it is smart to assume you may need it. Insurance requirements are more common when a shoot includes professional lighting, larger groups, children on set, commercial activity, or anything that creates more risk for injury or property damage.
What renters should expect:
- Some studios require proof of insurance: This is common for commercial shoots, crews, stands and strobes, or higher-traffic bookings.
- Some studios do not require it for smaller sessions: A simple family or portrait session with minimal gear may not trigger a formal requirement, but the risk still exists if something goes wrong.
The most relevant types of coverage are:
- General liability: Helps cover bodily injury claims, such as someone tripping over a light stand.
- Property damage: Helps cover accidental damage to the studio space.
- Equipment coverage: Useful if you are bringing expensive camera, lighting, or grip gear.
Before you book, ask the host for exact requirements.
- Insurance requirement: Ask whether a certificate of insurance is required and what the minimum coverage limits are.
- Who must be listed: Ask whether the host or venue must be listed as additional insured.
- Deadline: Ask when the certificate must be provided, since some hosts will not release final check-in details until documentation is complete.
Pro tip: If you are booking through Peerspace, confirm insurance requirements early rather than treating them as a maybe. Peerspace does not sell insurance to guests, and both hosts and guests are expected to maintain primary coverage for the activity being booked. If a certificate of insurance is required and you cannot provide it on time, your booking may be at risk.