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Business Insurance for Videographers
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Videography & Photography - Freelance
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Why do videographers need insurance?
If someone trips over a light stand or a memory card goes missing, it could lead to a lawsuit. Videographer business insurance can help pay for medical treatment, attorney's fees, and other unexpected costs.
Find the right coverage
Insureon helps professional videographers find video equipment insurance and liability insurance that fits your business.
Fill out one free application to compare quotes from top carriers. Our expert insurance agents will help you every step of the way.
What types of insurance do videographers need?
These policies provide coverage for common risks faced by freelance videographers and videography businesses.
General liability insurance
This insurance covers basic videographer risks, such as client property damage or injuries. Bundle with property coverage in a business owner’s policy to save.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Advertising injuries, such as copyright infringement
Business owner’s policy
A BOP is a cost-effective videographer insurance policy that bundles commercial property insurance and general liability coverage together.
BEST FOR
- Third-party bodily injury
- Third-party property damage
- Damaged or stolen cameras
Professional liability insurance
This policy covers expenses if a client sues a videographer over work performance or a delay. It's sometimes called errors and omissions insurance (E&O).
BEST FOR
- Missing or incomplete video footage
- Accusations of negligence
- Late arrivals or missed video shoots
Workers’ compensation insurance
Most states require workers' comp for videography businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Missed wages
- Legal costs
Commercial auto insurance
This policy covers the cost of accidents involving a vehicle owned by a videography business. Most states require this coverage for business-owned vehicles.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Inland marine insurance
This policy protects videography equipment that travels outside of your studio. It covers property losses due to theft, fires, storms, and vandalism.
BEST FOR
- Video equipment at a filming location
- Cameras and equipment in transit
- Videography equipment stored off-site
Looking for different coverage? See more policies.
How much does business insurance cost for videographers?
A videographer who works alone will pay less for insurance than a small business with several videographers.
Factors that affect the cost of insurance include:
- Business type, such as television or wedding videographer
- Value of camera equipment and other business property
- Business income and size
- Types of business insurance purchased
- Policy limits and deductibles
How do I get videographer insurance?
It’s easy to get insurance coverage as a videographer if you have your business information on hand. Our 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 insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your videography business, whether you work independently or hire employees.
See your state's requirements for photo/video businesses
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