Videography insurance
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Insurance Designed to Protect Your Videographer Business
BizInsure lets you compare quotes and buy insurance online in minutes to protect your business from accidents, injuries, and legal fees, as well as protect your business property. The following coverages are typically available:
- General liability
- Professional liability (E&O)
- Workers compensation
- Business Owner’s Policy (BOP)
Get the Cover that Suits Your Videographer Business
Buy the coverage you need—no more no less. And with BizInsure, you can choose to pay for your insurance monthly or annually to help suit your budget.
- Professional Liability
- Per occurrence $1,000,000
- General Liability
- Per occurrence $1,000,000
- Workers’ Compensation
- Per accident $500,000
- Commercial Property
- Per occurrence $25,000
- Professional Liability
- Per occurrence $2,000,000
- General Liability
- Per occurrence $3,000,000
- Workers Compensation
- Per accident $1,000,000
- Commercial Property
- Per occurrence $25,000
General Liability insurance
General Liability is the most common and essential type of business insurance. This insurance can protect videographers against bodily injury or property damage lawsuits from third parties.
General Liability insurance can cover:
- Accidents related to bodily injury or property damage caused to a third party
- Accidents that occur at your premises
- Medical expenses if someone is injured at your premises
Professional Liability insurance
Professional Liability, also known as Errors and Omissions or E&O insurance, protects videographers against claims of negligence, misrepresentation or mistakes.
Professional Liability can provide protection to you against claims that your professional services were not up to par. It can also cover your business if you miss a deadline or if you are unable to deliver your services.
Coverage for Professional Liability can include:
- Legal expenses
- Claims made by a third-party
Workers’ Compensation
If you have employees, this coverage protects your business against medical expenses and lawsuits resulting from employee workplace injuries and serious illnesses.
Workers’ Compensation insurance typically also pays:
- Lost wages as a result of the employee’s work injuries.
- Medical expenses resulting from employee workplace injuries.
Business Owner’s Policy
This is a convenient insurance package that can include General Liability coverage as well as important coverage for your business property, such as your tools of trade.
A BOP can include different types of coverage, such as:
- General Liability insurance
- Business personal property coverage
- Business Interruption
- Equipment Breakdown
How much does Videographer insurance cost?
Insurance for your business will vary depending on:
- Your operations
- Your location
- Size of business
- Amount of coverage needed
- Claims history
BizInsure makes shopping for insurance simple. Just go online, plug in a bit of information, and let us do all the work for you.
When is insurance required for videographers?
Many venues require videographers to have General Liability insurance to shoot on site. Customers, landlords and partner companies may also require you to have it as part of your contract.
You may also need coverage to protect:
- Your equipment – This is probably your most valuable business asset, and if it were to be lost or stolen it could ruin your business.
- Your advice – If you become involved in a dispute with a client over your advice or service, the legal costs and damages are taken care of.
- Accidents – You are covered if someone trips over your equipment or if you damage someone else’s property.
Frequently asked questions about videography business insurance
Here are some of the most common questions we get about business insurance for videographers.
Do you need Videographer Liability Insurance?
Whether you are a wedding videographer preserving precious memories, or a freelance videographer juggling a variety of projects, your work is demanding, dynamic and ever-changing.
Consider these scenarios:
- You are shooting in a public park and a child trips over your equipment and breaks their wrist. The family wants you to pay for the child’s medical bills.
- You didn’t set up your equipment correctly at an office shoot and your camera falls through the office window. Now you are responsible for the cost to repair the damage to the window.
- You accidentally format over a memory card in the middle of a wedding and lose the photos. The family is now suing you for breach of contract.
No matter what type of videographer you are, having some form of insurance protection in place is important to have in case things do go wrong.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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