Videography Business Insurance

Why Do You Need Videographer Insurance?

Running a videography business means you face unique risks and challenges because of the work you do. Our insurance protects small businesses like yours, so you don’t have to worry as you:

Use expensive equipment to film
Edit and create videos
Work with clients

Who Needs Videographer Insurance?

Freelance videographers
Event videographers
Wedding videographers

We Work on Your Time

We know your schedule is full. That’s why we offer the option to get your proof of insurance online, whenever you need it.

What Is the Best Insurance for Videographers?

Many videographers start with a Business Owner’s Policy (BOP) for their insurance needs. It combines three types of coverages that are important for small businesses. And because it’s a single policy, you’ll save money on your insurance rates while protecting your videography business.

General liability insurance (GLI) helps protect your videography business from claims of property damage and bodily injury. This coverage can help if a guest trips over your equipment at an event and they need get medical care.

Commercial property insurance helps protect your owned or rented equipment and the studio you use to run your company. Think of this as professional video equipment insurance, which helps cover your:

Video cameras
Lenses
Computers
Hard drives

Business income insurance can help replace lost income if you can’t open your videography business because of covered property damage.

Freelance Videographer Insurance

Is videography your passion but not your full time job? We know there are many people who run small businesses on the side. That’s why we offer a broad range of coverages so you can create a customized videographer insurance policy that fits your needs. Choose the types of insurance you need, like:

Professional liability insurance
Workers’ compensation insurance
Home-based business insurance

Covering Your Videography Business’ Property

Running a videography business means working with expensive equipment. And if your property gets broken or damaged, it can prevent you from doing your job. However, with the right videographer insurance, you can have peace of mind while filming, knowing we’ve got your back if something happens to your property.

Investing in film equipment and software can cost several thousands of dollars.¹

Damaged Drone

“We decided to use a drone to get aerial footage of a client’s wedding. When I increased the speed, the drone crashed and we couldn’t use it for the rest of the night.”

Our unmanned aircraft property coverage can help pay to repair or replace a damaged drone.

Lost Equipment

“We shipped our camera gear to the location where we had a shoot. When we got there, the package never arrived and the tracking showed it was lost. We ended up having to buy a brand new camera and lens.”

Get scheduled camera equipment coverage to help protect your equipment from getting lost or damaged. This coverage applies wherever you are in the country, even if your camera equipment is in transit.

Covering Your Videography Team

Your assistants and second shooters are essential in helping you run a successful videography business. If they got hurt or sick from their job, it could significantly impact your operations. That’s why you need videography business insurance. This coverage will help protect you and your employees.

About 4.6 million employees get hurt every year in a workplace accident.²

Employee Injury

“My assistant was setting up when he tripped over a wire and fell. He landed on his camera and his back was really sore. He ended up in the ER the next morning to get X-rays.”

Workers’ compensation insurance can help pay for your employees’ medical bills if they get hurt or sick from their job. This insurance can also help pay for ongoing care costs and help replace their lost wages while they recover.

Customer Lawsuit

“We filmed and edited a video for our client. When they watched it, they were upset we missed a certain shot that we talked about in our planning meetings. They ended up suing our business.”

Professional liability insurance, or errors and omissions insurance, can help if someone sues your videography business claiming you made a mistake in the services provided.

Covering Your Videography Operations

If you open your videography studio or business to the public, it increases your risk of a customer bodily injury claim. These can get costly, especially if they lead to a lawsuit. With the right type of videographer insurance, you can rest easy knowing you have the protection you need to run a successful business.

Injuries from falls amount to about $13 million to $14 million a year in the U.S.³

Customer Injury

“We were recording a client’s wedding when a light fell on one of the guests. He ended up in urgent care with a broken toe.”

General liability insurance can help protect your business from claims of bodily injury or accidental damage to another person’s property. It can help cover medical expenses or repair bills.

Car Accident

“My assistant was driving to a shoot and got rear-ended on the way. She hurt her neck and had to get taken to the hospital for treatment.”

Hired auto/non-owned auto liability insurance helps protect you and your employees on the road if you’re driving for business.

Find the Best Insurance for Videographers

To find the right insurance provider at the right price, you’ll have to compare quotes and read customer service ratings. At The Hartford, we have over 200 years of experience with specialists dedicated to small businesses like yours. We’re here to help get you the right type of videographer insurance to fit your business.

Find out more about other business service professions we insure:

Videographer Insurance You Can Trust

Get the protection you need to help keep your small business running successfully.

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