General Liability Insurance for Videographers
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General Liability and Property Insurance for Videography Businesses

Independent videographers and small videography businesses typically own thousands of dollars in cameras, microphones, lighting and computer equipment. If there’s a fire or break-in, a videographer could lose his or her livelihood in an instant. Property insurance can help you replace lost or damaged equipment and get back to work, so it’s important protection that a videography business shouldn’t be without.

At the same time, videographers are often surprised to find themselves facing lawsuits related to bodily injury or damage to other people’s property. Suppose, for example, that you’re shooting a high school basketball game and move in close to get the perfect angle. Unfortunately, you’re busy analyzing your shot and don’t notice that you’ve actually crossed onto the court – where a player trips over your outstretched leg and crashes to the floor. You could easily find yourself facing a lawsuit if the player is injured. General liability insurance protects you against the high cost of defending yourself in court, while paying any settlements or judgments.

Fortunately, Business Insurance Now offers a cost-effective Business Owner’s Policy (or BOP) for videographers that combines general liability protection with property coverage for one affordable premium. A BOP covers you for general liability lawsuits while protecting your business property against loss, theft or damage, whether it’s at your own office or another location. Other people’s property in your care, custody or control is typically also covered as if it were your own.

What Business Owner’s Policies Cover

While coverage varies by policy and carrier, a videography Business Owner’s Policy and its optional endorsements can provide coverage for a wide range of concerns, including:

  • Liability coverage throughout the United States and worldwide
  • Scheduled property option for delicate camera equipment
  • Film spoilage
  • Electronic data processing protection for your computer and editing software equipment
  • Passport Access® coverage to protect your equipment from damage or confiscation during your travels
  • Optional endorsements and higher coverage limits are available to meet your videography business’s needs

Contact Business Insurance Now for a Free Risk Assessment

If you need help selecting the right general liability and property insurance policy and coverage levels for your videography business, contact the videography insurance experts at Business Insurance Now for a no-cost, no-obligation risk assessment.

Get a FREE professional liability insurance quote now!

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Professional Liability Insurance Tips

  • E&O policies are generally provided on a"claims-made" basis. This means that to be covered, a claim must meet three criteria: the alleged error or omission must be covered by the policy, it must have happened while the policy was in force, and the claim must be made while the policy is still active. In other words, to be covered for work during a specific project, you must continue your coverage long after that project is complete.
  • E&O insurance won't cover you if you're sued for something like stealing a client's customer away. For these and other non-covered scenarios, many architects have contracts that outline conflict-resolution procedures and define each party's rights.
  • The chance of getting sued often has less to do with the quality of your work than with your clients' temperament and expectations. If your client relationship goes sour for any reason, you could be accused of negligence even if you didn't make any mistakes. That's why it's so important to carry professional liability insurance, even if you've never been sued.