Videographer Insurance

Videographer Insurance

Get a comprehensive insurance policy and protect your videography business from the liabilities it faces.

Zensurance - Videographer

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Videography Professional

Insurance for videographers

The art of making video films and capturing the moments that matter is more than your profession, it’s also your passion.

Creating a picture-perfect video means paying close attention to the details and ensuring nothing will obscure or ruin the scene. You need to apply the same level of detail and consideration to protecting your profession and finances with a customized videographer insurance policy.

Videographer insurance is designed to protect professional videographers across multiple industries from the range of risks they face, be it third-party bodily injury or property damage liability, professional liability, or loss or damage to their equipment.

Whether your work involves wedding and event videography, drone videography, nature videography, real estate videography, or sports and media videography, a comprehensive videographer insurance policy from Zensurance can provide your videography business with the protection it needs to thrive.

A comprehensive insurance policy for videographers typically includes:

  • Professional Liability Insurance: Professional liability, also known as errors and omissions (E&O) insurance, provides coverage against financial losses due to negligence, errors, or failure to deliver a service as promised. It also includes media services and advertising protection if one of your customers is sued for defamation, libel, or slander because of your work. Professional liability insurance protects you from costs associated with claims or lawsuits that may threaten the survival of your business.
  • Drone Liability Insurance: If you’re licensed to operate a drone, you need drone liability coverage. It provides financial protection for videographers to repair or replace any drones you use for your work if they’re damaged, lost, or stolen, and covers you against third-party property damage or bodily injury allegations or claims.
  • Equipment Insurance: Every videographer must protect their equipment. Equipment insurance covers the cost to repair or replace your equipment due to an insurable loss, such as a fire or flood, or if your gear is stolen from your vehicle or at a video shoot.
  • Commercial General Liability (CGL) Insurance: CGL insurance is vital for any videographer that has customers visiting a studio. Also known as slip-and-fall insurance, it covers you for third-party bodily injuries or property damage if, for instance, a customer visiting your studio trips over a tripod, falls, and injures themselves.
  • Commercial Property Insurance: If you own a video-recording studio or office, you should protect it with commercial property insurance. This coverage pays for damage or loss to the building you’re in as well as your contents inside it because of fire, flood, natural disasters, theft, or vandalism. It includes coverage to repair or replace your computers and electronic devices inside or outside of your studio.
  • Cyber Liability Insurance: Undoubtedly, your videography business has a website, uses technology, and stores video files and customer data. It is your responsibility to protect your customers’ personal information, the videos that feature them, and their financial data. If your computing or software systems are involved in a data breach or your business suffers a cyber-attack, your affected customers could sue you.

The average cost of videography business insurance starts at around $565 annually for a CGL and PLI policy with a $1.5M combined coverage limit.

The exact cost of your policy may vary depending on several factors, such as:

  • The services you provide
  • Your business’s location
  • Your training and experience
  • Annual and projected revenue
  • The type and value of equipment you have
  • Number of employees
  • Your insurance claim history

All professional videographers should be covered with the right insurance policy to safeguard them from potential lawsuits against their business.

We’ve insured more than 1,000 professionals. Some of our clients include:

  • Wedding Videographer
  • Video Production
  • Special Event Videographer
  • Video Marketing
  • Music Video Producers
  • Freelance Videographer
  • Drone Videography

Getting insured is quick and easy!

Complete our 5-minute online application for a free videographer insurance quote.

Common claims scenarios

drone video operator

Problem: You lose control of the drone camera you’re using to take an aerial video of a large property. It crashes into a vehicle parked on the street, cracking the windshield.

Outcome: Your drone liability insurance may pay for the damages to the vehicle’s windshield and the cost to repair any damage to your drone.

videography studio equipment

Problem: Overnight, your studio is flooded after a water pipe in the ceiling ruptures, causing extensive damage to the building’s interior, your furniture, and equipment.

Outcome: Your commercial property insurance may cover the cost to repair the water damage to the studio and repair or replace your damaged furniture and equipment.

cyber hacker

Problem: Your website and computing systems are infiltrated by a hacker who steals your clients’ confidential data.

Outcome: Your cyber liability insurance may pay to restore your computing systems, notify your clients, and provide them with credit monitoring.

Frequently asked questions

Does a videographer insurance policy cover me for all types of video shoots?

Yes. A comprehensive videographer insurance policy from Zensurance is applicable for any type of video shoot or project you’re working on, whether it’s a wedding video, music video, or real estate video.

What are a videographer insurance policy’s coverage limits?

When you purchase a videographer insurance policy from Zensurance, you have the option to choose how much coverage you need. At a minimum, most videographers opt for a policy with a $1 million coverage limit, but you can increase it to $2 million if you wish. Deciding how much coverage you need depends on the risks your business faces and the value of your equipment. Speak to a licensed broker to determine how much coverage you need.

Are videographers required to carry insurance?

Whether you are an experienced self-employed or freelance videographer, starting out as a part-time videographer, or own and manage a video production company, video recording people at various locations exposes you to an unknown number of risks. For example, if you are accused of or sued for negligence or third-party bodily injury or property damage, the cost to settle the matter could run into thousands of dollars. Furthermore, you may be required to carry liability insurance to work in certain locations like at a tradeshow or to secure a customer contract.

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Don’t let the harsh truth of the camera’s eye focus on you without insurance.

Protect your business, reputation, and assets with a tailored videographer insurance policy from Zensurance.