Whether you are working as a freelance videographer or filming a wedding for a small, successful business, we can provide you with insurance that is tailored to your needs.
What Is the Best Insurance for Videographers?
The insurance requirements of videographers often begin with a Business Owner’s Policy (BOP). This policy combines three crucial coverages that are essential for small businesses. By having a single policy, your videography business can enjoy both protection and cost savings on insurance rates.
General Liability Insurance (GLI) helps protect your business videography from claims of bodily injury and property damage, providing coverage if your guests or equipment are harmed during a medical event.
Commercial property insurance helps protect the equipment and studio space you own or rent for running your company. This coverage is beneficial for video professionals who rely on such equipment.
Business income insurance can help replace lost profits if you are unable to start your videography business because of covered property damage.
If your equipment for business videography is expensive and in working order, you can prevent it from getting damaged or broken while on the job. However, knowing that we have your back if something happens to your property, you can have peace of mind while filming with the right insurance for the videographer.
Purchasing film equipment and software can be quite expensive, amounting to thousands of dollars.
Damaged Drone
When I decided to increase the speed, the drone crashed and we couldn’t use it for the remainder of the evening, as we had originally planned to use a drone for capturing aerial footage of our client’s wedding.
Our coverage for unmanned aerial vehicles can assist in covering the costs of repairing or replacing a damaged drone.
Lost Equipment
We ended up having to buy a brand new camera and lens because the package never arrived. It was tracked and showed that it was lost. We had shipped our camera gear to a location where we were shooting.
Wherever you are situated in the nation, coverage is applicable, even if your camera gear is in transportation, in order to safeguard your equipment from loss or harm, acquire camera equipment coverage that is scheduled.
If your employees get sick or injured, this insurance coverage will help protect you and your business. That’s why it’s essential to have insurance that could significantly impact your operations. Second shooters and assistants are essential in helping you run a successful videography business.
Approximately 4.6 million workers sustain injuries each year in workplace incidents.
Employee Injury
My assistant tripped over a fallen wire, causing him to fall. He landed on his back, which was very sore. The next morning, he ended up in the ER to get X-rays.
If employees sustain injuries or fall ill due to their occupation, workers’ compensation insurance can provide financial assistance to cover their medical expenses. Additionally, this insurance can support them by compensating for the wages lost during their recovery period and covering the expenses of ongoing care.
Customer Lawsuit
When they watched the video we filmed and edited, the client was upset because we missed a certain shot. Our business ended up being sued over the discussions we had in our planning meetings.
If you need assistance with insurance for professional liability, errors, or omissions, in case someone sues your business for making a mistake in the services provided, we can help with videography insurance.
To run a successful business, you need to have the right type of insurance for videographers, knowing that you can easily rest assured knowing you have protection. These can be particularly costly if they lead to a lawsuit. If you open your business or videography studio to the public, it increases the risk of a customer claiming bodily injury.
Injuries caused by falling result in approximately $13 million to $14 million in annual expenses in the United States.
Customer Injury
We were recording a wedding client’s event when one of the guests accidentally tripped and fell, causing an urgent need for medical attention due to a broken toe.
General liability insurance can help cover claims for accidental damage to another person’s property, bodily injury, or protect against claims of injury. It can also assist in covering medical expenses or repair bills.
Car Accident
She had to go to the hospital for treatment after hurting her neck. My assistant was driving and got rear-ended on the way, leading to a shooting pain.
Hired auto/non-owned auto liability insurance assists in safeguarding you and your employees while driving for business, ensuring protection on the road.
Further information is provided below.
The Hartford will not be responsible for any harm related to the utilization of any data given on this page. Kindly seek advice from your insurance agent or insurance company to ascertain your particular coverage requirements, as this information is meant for educational purposes.
After conducting a thorough investigation of the claim, any possible payment for the claim will be assessed, and decisions regarding coverage will depend on the terms stated in the insurance policy in case of a loss or claim. It is important to note that this does not ensure coverage and should not be interpreted as providing specific legal, HR, financial, or insurance guidance. The details found on this page are for informational purposes only.
Certain coverages differ depending on the state and may not be accessible to all businesses. The property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. Listed in the Legal Notice may provide all Hartford coverages and services mentioned on this page. It is important to note that not all businesses may have access to certain coverages that vary by state.
Please read the additional details for Legal Notice of Hartford’s Headquarters, which operates under the name and brand of Inc., (NYSE: HIG) Group Services Financial, through its subsidiaries in Hartford, CT.
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