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You work hard to create incredible videos that your clients love. You spend hours making sure you’ve got all the right angles and footage to deliver precisely what your clients expect and to make your vision come to life. But who’s protecting your equipment, files, and other essential elements of your business?
That’s where Simply Business comes in.
Simply Business is an online insurance platform that makes it easy for videographers to find customized videographer insurance protection. With coverage from insurance types such as general liability, we’ll make sure you have protection from the biggest risks your business could face.
It’s easy to get started. Give us 10 minutes, and we’ll show you policies that work harder for you.
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Insurance for videographers can be customized to safeguard you from common risks and liabilities. When thinking about what coverage your videography business may need, we recommend the following policies as part of your foundational coverage.
If you rent studio space for your videography, you should consider commercial general liability insurance. This policy type — also known as general liability (GL) insurance — covers any costs associated with third-party accidents, damages to property, and bodily injuries to a third party, like a client or vendor.
General liability insurance is considered a foundational coverage because it can protect you from major claims and costs that come with doing business. For example, the average customer injury or damage claim (something that general liability insurance covers) is typically around $30,000. That expense is not one to ignore, particularly if you’re just starting out in your business.
In other words, without general liability insurance, you may have to pay for those expenses on your own.
But how does GL insurance work for videographers? Let’s say that while filming on a client’s property, a child trips over cords you laid out for production. The child breaks an arm and is rushed to the hospital, which results in some hefty medical bills. The client is furious, expects you to pay the medical bills, and sues you.
If you have general liability insurance for videographers, you may not have to pay a dime out of your pocket — for the medical bills or legal fees -- depending on your policy limits.
Here’s what general liability insurance typically covers:
Here’s what general liability insurance usually doesn’t cover:
As a professional videographer, your clients trust you to document precious or exciting moments and expect that you’ll deliver high-quality work.
But what happens if something goes wrong with a project?
In these cases, professional liability insurance can protect your business from some of the worst situations you may encounter.
Videographer professional liability insurance protects both you and your business if a client claims that you or your business was negligent during your assignment with them. Also, if you have employees, videographer insurance can cover them as well.
So what does this look like in a real situation?
You just finished editing the video from a client’s wedding. This was your first major client, and you were super excited about the chance to document such a significant life event for this couple. Unfortunately, while you were putting the finishing touches on the video, you mistakenly deleted all of the footage and are unable to restore it. Your client is devastated and demands you make the situation right.
That’s a tough one. But your professional liability insurance policy has your back. Your policy can cover the cost of the damages, as well as the legal fees if they sue you. Having this protection means you don’t have to worry about your personal finances to cover the fees. Technology can be fickle, no matter how careful you are, so investing in professional liability insurance for videographers is a smart business move.
Here’s what else professional liability insurance can cover:
Professional liability insurance usually doesn’t cover:
Do you employ any full- or part-time employees for your videography business? If so, you may be required to have workers compensation insurance per your state’s laws. This type of insurance can cover the costs associated with employee injuries or accidents while they are working.
Most states require business owners with employees to carry some type of workers compensation coverage. Be sure to check your state’s laws to confirm your requirements.
With the estimated average work injury cost being about $41,000, with a whopping $170.8 billion worth of claims in 2018 alone, that can be very devastating to a business. Also, by not having a current workers compensation insurance policy, you may be scaring potential employees away.
There’s no question that it’s a good idea to have workers compensation insurance as part of your overall videographer insurance plan, even if you only have a handful of employees.
In general, workers compensation insurance for videographers can cover:
Maybe you’re not sure if you need business insurance at this point. Perhaps you’re just getting started and want to reduce your expenses as you build your business.
Business insurance can be essential to limiting the liabilities and risks you’re exposed to, even if your business is new or if you only have a few clients. What if a client visits you for a consultation and trips over an expensive tripod? Or if you have a client who is so unhappy with your work that they sue you — even if you did everything right?
You may be able to minimize your liabilities and risks, but that doesn’t mean they can’t happen. Just take a look at the most common incidents that can happen to small business owners, as well as the average costs:
Not only are these incidents damaging to your business, but they can cost quite a bit of money. Fortunately, if you have protection in the form of videographer insurance, your policy could cover some or all of the costs associated with lawsuits or claims against your business.
Speaking of lawsuits, did you know that up to 43% of small business owners have reported being threatened or involved in a civil lawsuit?
In other words, a client could sue you for claims of negligence or damages they’ve experienced as a result of your services, even if you did everything by the book.
Don’t put your money or hard work at risk. At Simply Business, we make it easy to find the right insurance plan at the right price. Just answer a few questions about your business and you can compare free quotes from the nation’s top insurers.
Plus, we can provide you with a certificate of insurance (COI), so you can start showing proof of coverage to clients, vendors, and more.
Because videographer insurance may involve a bundle of several business policies, you may be required to carry some coverage but not others.
For example, you may be required to carry workers compensation coverage if you have employees, but you may not have to carry general liability insurance. Or the landlord of your studio may contractually require you to carry GL insurance as part of your lease agreement.
You can generally deduct your business insurance premiums when you file your business’s income taxes with the IRS. It’s best to speak with an accountant if you have questions about your business’s deductible expenses.
The amount of coverage your business may need will depend on various factors, including:
Our quote form is designed to help you compare and find the right insurance plan for you. If you aren’t sure what you need, our licensed insurance agents are available and will be happy to assist you!
If you’re ready to get your free quotes, we recommend having the following information on hand to expedite the process:
It may, as your state may have a different insurance requirement for videographers than another state.
Videographer insurance coverage depends on the policies that are bundled together to meet your unique needs. If you opt for both general liability and workers compensation insurance, your policies can cover:
The cost of business insurance differs, depending on your business and its needs. But in general, the price of your insurance premiums can be determined by:
Want to see how much your videographer insurance may cost? Just click here and get free quotes from top insurers who can get you the coverage you need.
Simply Business is an online insurance brokerage that makes it easy to compare the best policies and quotes from top insurers. We’re one of the fastest-growing online providers of small business insurance. Thousands of customers trust us to protect their businesses.
Why choose us? It’s simple:
We’re fast and affordable. You have a lot on your plate, and you don’t have time to worry about your insurance coverage. Our policies are fast, affordable, and ready whenever you are.
We’re flexible with coverage. Your business changes, so you need an insurance policy that can keep up. We’re here to help make sure you’re protected no matter what your business needs.
We get your business. You deserve an insurance policy that understands your business from the inside out. That’s where we come in.
You work hard to grow your videography business, and you should have an insurance policy that protects that hard work.Get your quote
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.