Insurance for Videographers

As a videographer you face a wide array of potential risks and liabilities, from upset clients to an injury at your studio, the threats facing your business are plentiful. These and other risks come with the profession, which makes having proper insurance coverage an important part of protecting you and your business. Cross Insurance can work with you to find coverages to fit your needs. No matter if you are an individual videographer freelancing, or a company with numerous employees, we can help show you insurance options.

Insurance Coverages for Videographers

Videographers, just like any job that produces creative work, face unique challenges and risks when working. While there are many factors and situations that should be taken into consideration when deciding what insurance coverages you may need, there are a few common coverages every videographer should consider.

General Liability

General liability insurance helps to provide your videography business with protection for certain third-party liability claims related to your business’s operations (for instance, if someone was injured resulting from a trip and fall accident inside your studio). Some general liability policies also include coverage for certain types of personal and advertising injuries, such as claims for defamation or copyright infringement.

Commercial Property for Videographers

Commercial property insurance can help protect your videography business against certain types of physical damage to your building and equipment. Regardless of whether you own the building or lease the space, commercial property insurance is highly recommended. The following are some of the assets commercial property can help insure:

The equipment that your business relies on, like laptops, lighting equipment, backdrops, audio equipment, cameras, drones, etc.
Your businesses building
Your furniture, such as tables and chairs
Outdoor signage, banners, and other materials

Business Owner’s Policy for Videographers

A business owners policy combines common coverages that businesses have- commonly general liability and commercial property. Videography equipment can be expensive, so this option may make sense for your business. As an added bonus, typically a BOP will be cheaper that purchasing the coverages separately. Talk to your local insurance agent to see what coverage options are available for your business.

Cost of Insurance for Videographers

Budgeting your business operations for your videography business means that you will need to know how much you will be paying for premiums. When you reach out to us, we can gather more information on the types of policies and coverages you are looking for, so we can provide you with quotes. We understand that each business is unique, which is why we will work with you to help you identify what types of policies you may need. Factors that can influence the cost of insurance for your business may include, but are not limited to:

What types and amounts of coverage you select.
The cost of the property you would like to insure.
Location: Where will you be filming your work?
Deductible: What will be the amount you are responsible for paying towards a loss before your insurance coverage begins paying towards a claim.
Employee Numbers: Does your videography business have employees or is it a solo operation?
Claims History: Do you have a claims history? The fewer claims you make, typically the more affordable your insurance costs may be.
Business Income: How much does your business make?

Should I get Insurance Before Shooting Client’s Videos?

The risks of being a videographer are vast, from lost or damaged equipment, accidental damages while filming, an employee tripping over a cord resulting in injury, to an unhappy client suing. With such risks always a possibility, is important to be prepared in the event a loss was to occur. Researching and having coverage in place before you open for business is important and recommended.

How to get a Quote for Your Business

When it comes to selecting a policy for your videography business, it’s a good idea to compare coverages. At Cross Insurance, we work with the nation’s leading carriers as well as regional insurers. With offices in Maine, New Hampshire, and across the Northeast, our agents are available for account management support. Contact us to request a business insurance quote.

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.