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How much does video and film production insurance cost?
The cost of video and film production insurance depends on the policies you choose, risks your business faces, and the value of your video equipment. Cost estimates are sourced from policies purchased by Insureon customers.
General liability insurance
Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance. This policy protects against third-party property damage and injuries, and advertising injury.
Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your video equipment, too.
Median cost per year: $353
Policy limit: $1 million per occurrence
Policy deductible: $500
Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.
Business owner’s policy
A business owner’s policy costs film production studios $51 per month, or a median annual premium of $611.
A BOP bundles general liability and property insurance, usually at a discounted rate. The services you offer and value of your video equipment will partially dictate pricing. This policy may also include business interruption insurance, which covers lost income due to an unexpected business closure.
Median cost per year: $611
Policy limit: $1 million per occurrence
Policy deductible: $500
Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.
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Professional liability insurance
Photo and video businesses pay a median of $53 per month, or $639 annually, for professional liability insurance.
This policy, also known as errors and omissions insurance, protects businesses against the cost of client lawsuits claiming that work was unsatisfactory, negligent, late, or never completed.
Median cost per year: $639
Policy limit: $1 million per occurrence
Policy deductible: $1,000
Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's professional liability insurance cost analysis page.
Workers’ compensation insurance
The median cost for workers’ compensation insurance for a video production business is $64 per month, or $771 annually. Policy costs will depend on your state and number of employees.
Workers’ comp can help cover medical expenses and lost wages for employees who are injured on the job. It’s required in most states for businesses with employees.
Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.
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How do I get video and film production insurance?
It’s easy to get insurance as a production company if you have your business information on hand. An insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. providers to find coverage that fits your video production business, whether you work independently or hire employees.
Updated: September 27, 2023
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