Videographer Insurance: Liability, Cost & Quotes from $11

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Whether you are just starting out or have years of experience offering videography services in a freelance or professional setup, you are going to need videography business insurance as protection against exposures when you’re working for festivals, parties, weddings, sports events, and other events.

Videographer insurance is an insurance explicitly designed for videographers. The policy is meant to protect you from risks to be faced. These include loss or damage of filmmaking equipment, venue property damage, bodily harm to a third party, and slip and fall accidents.

Essentially, videography insurance acts like a safety net protecting you from having to pay out of pocket when an unexpected event occurs. Freelance videographer insurance is especially vital for freelancers who are just starting out.

Like many other commercial insurance policies in the market today, video production business insurance will encompass multiple coverages meant to work together to provide the best possible protection. Policies you'll interact with include:

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Videographer Liability Insurance  

Suppose someone at an event you are working at trips over your light stand and sustains injuries or property damage; This will result in a lawsuit, which necessitates video production liability insurance. 

Many types of liability insurance are available. But the most useful is general liability insurance and public liability insurance. The former is the best insurance for videographers as it provides a comprehensive shield against different business exposures.

General Liability Insurance for Videographers 

General liability insurance is a primary inclusion in tailored insurance for videographers. It provides protection against the following:

• Third-party personal injuries - Accidents can happen at work or in the office. Third parties might trip in your office or get hurt by videography equipment. In such situations, general liability insurance will provide coverage by taking care of the injured person’s medical expenses 

• Third-party property damage - The language of general liability insurance includes property damage as one of the perils covered. Therefore, you’ll find it useful if an accident happens in the office or at work that results in clients having their phone or other personal effects broken

• Legal expenses - Aggrieved third parties can take legal action after experiencing property damage or personal injuries due to your fault.  General liability insurance will protect you against the resulting expenses by covering attorney fees, administrative costs, settlements, and others. 

As we said earlier, general liability insurance provides protection against the different risks videographers face. In other words, it doesn’t only provide coverage for personal injuries and property damage. Add the following optional policies and you’ll enjoy enhanced protection:

• Advertising injury coverage - A client might file a claim after discovering that the service you’re providing doesn’t match what was advertised. Also, other videographers might accuse you of copying their work or inflicting reputational harm. These perils are very problematic and you should consider adding advertising injury coverage to general liability insurance. What this does is cover legal expenses if you’re sued for slander, libel, false advertising, copyright infringement, etc. 

• Rented premises liability coverage - Rented premises liability coverage is useful if you’re renting or leasing a videography studio. If the videography studio becomes damaged because of a fire, rented premises liability coverage will reimburse the property owner on your behalf

• Products and completed operations coverage - If a completed videography service you provided caused personal injuries or property damage, products and completed operations coverage will take care of the associated expenses if a claim is filed 

Note that general liability insurance can cover the liability of contractors you’ll hire as a videographer. All you have to do is ask the insurance company to name such contractors as additional insureds. Depending on your carrier, this might be free or come at a cost. 

Public Liability Insurance for Videographers  

Public liability insurance for videographers is meant to protect your business in the event that a member of the public files an injury claim or if a third party was to claim you damaged their property. The policy should cover the legal fees accrued in the defense against the claim. In the event that the claim is ruled in favor of the complainant, the policy should cover the compensation or reimbursements. 

Professional Liability Insurance for Videographers 

You can make mistakes as a professional. Such mistakes might inflict economic or financial loss to a client. In return, a client has the right to sue you to recoup damages. General liability or public liability insurance isn’t enough. Get professional liability insurance too. This will cover administrative costs, attorney fees, compensatory payments, and other legal expenses if a client sues you for:

• Missed deadlines

• Misrepresentation

• Violation of fair dealing

• Violation of good faith

• Negligence

• Other acts considered errors and omissions 

Commercial Property Insurance for Videography Business 

Tailored videographer insurance doesn’t only offer general liability, public liability, and professional liability insurance. You can also decide to get commercial property insurance. Commercial property insurance provides protection against:

• Building destruction - At the very least, the cost of starting a videography studio is $15,500. Imagine how wasteful it will be if your videography studio gets engulfed by flames or turned into rubble by extreme weather. But there's no problem if you have commercial property insurance. It will recoup losses based on the actual cash value or replacement cost of your studio that was destroyed

• Building damage - Commercial property insurance will recover your financial losses if theft, fire, extreme weather, and other covered perils inflict damage on the roofing, windows, doors, glass panels, signage, flooring, and other structures of your videography studio 

Commercial property insurance for videographers has additional coverages. These allow you to enjoy more protection from the policy.  Such additional coverages are:

• Tools and equipment coverage - Tools and equipment coverage will cover losses if videography camera and other equipment become lost or damaged within the premises of the studio due to fire, theft, extreme weather, vandalism, and other covered perils 

• Stocks and contents coverage - Stocks and contents coverage will cover losses if items, not considered as videography equipment and tools, become damaged or lost due to fire, theft, vandalism, etc. Items usually included in this coverage are financial records, computers, printed videography materials, etc. On the other hand, videos and other files stored on a computer or other digital media are excluded. 

Videography Commercial Auto Insurance 

You use a cargo van or any other similar vehicle to transport equipment and personnel to different project sites.  And so, it’s crucial for you to get commercial auto insurance. Commercial auto insurance has the following functions:

• Auto liability coverage - Auto liability coverage in commercial auto insurance will cover medical expenses and reimbursements if your videography business’s vehicle causes an accident. Also, this will cover administrative costs, settlements, compensatory payments, and other legal expenses if concerned third parties decide to take things to court

• Physical damage coverage - Physical damage coverage has two types - collision and comprehensive. Comprehensive physical damage coverage will cover your videography vehicle’s parts repair or replacement if it got damaged due to fire, theft, vandalism, and other covered perils. On the other hand, collision physical damage coverage will cover parts repair or replacement if your videography business’s vehicle incurred damage after colliding with a car or object

• MedPay/personal injury protection - MedPay/personal injury protection covers the driver and passengers of your videography business’s vehicle. MedPay covers funeral and medical expenses. On the other hand, personal injury protection covers funeral expenses, medical expenses, after-hospital visits, rehabilitation, lost income compensation, etc.

Videographer Workers Compensation Insurance 

Workers compensation insurance sees to it that you don’t use business funds or personal money if your assistant or any other employee sustains a work-related injury or disease. This insurance will provide the money you can use to cover:

• Medical expenses
• Medication
• Rehabilitation
• Lost wages

Video Production Equipment Insurance  

Video production equipment insurance is a policy that protects your business from the financial obligation of repairing or replacing damaged or stolen business equipment. The latter include the cameras, lighting, laptops and other portable devices, processing equipment, props, and sets. Depending on the insurer you work with, the equipment should cover any damages to the equipment you hired. 

Suppose the equipment you are currently using gets damaged or is stolen, and you are halfway done with the job, yet you'd want to see it through. Your equipment insurance should be able to cover the cost of hiring the alternative equipment. 

Think of the photography equipment insurance as ensuring you're covered in the event of the worst-case scenario. 

Wedding Videographer Insurance  

Wedding videographer insurance is specialty insurance for videographers, covering said videographers when the worst happens. This insurance policy covers:

• Unexpected mistakes like accidentally wiping a client's wedding footage

• Slips, trips, and falls that happen while shooting in public 

Besides, there's bound to be some friction between you as the contractor and your client. In this case, the wedding videographer insurance should come in handy when it comes to protecting your work and professional reputation. 

One Day Videographer Insurance  

A single mistake at an event you are a videographer at can lead to a costly claim against your business, thus necessitating videographer event insurance. Seeing as on the day of the event, you are going to spend a significant portion of the day shooting at the venue or on transit, you could consider getting one day videographer insurance. The latter will cover the costs in the event that your equipment is stolen or damaged during the day. 

Videographer Insurance Cost  

Videographer insurance costs vary depending on several factors and will often come down to your specific needs. You want to work with an insurer that's able to tailor the videographer insurance to your individual business. 

Among the factors that might affect the cost of your videographer insurance is the duration that you will need the cover. You could also choose to pay for the insurance on an event basis than getting a long-term insurance policy. However, suppose you are anticipating shooting a number of events within the year. In that case, you should probably consider buying annual videographer insurance. The latter covers all your events within the year, and you could get a discount. 

Freelance videographers will pay an average of $22 per month for their general liability insurance, which translates to $250 when you pay your yearly premiums.

To save money on premiums, look for videographer insurance offered as a Business Owner's Policy. This policy combines general liability and property insurance and will set you back $50 per month or $600 per year on average. As part of the Business Owner's Policy, some insurers will offer business interruption insurance which should cover you in the event that you lose your videography income. 

As highlighted, there's the risk of errors and omissions. To cover yourself against the liability of these, you could get professional liability insurance that will, on average, cost you $55 per month. 

Don't forget to compare quotes online. Comparing quotes is one of the best ways to find the best coverage and avoid getting scammed. Start doing so by clicking the "Get Quotes" button on this page.