Professional Liability Insurance for Videographers
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Professional Liability Insurance for Videographers

In videography, you’re hired not just for your skills, but for your artistry and critical eye. But as the old saying goes, beauty is in the eye of the beholder – so even when you feel that you have done your best work, there’s a possibility you’ll still have an unsatisfied client. At the same time, whether you work with film or digital video, there’s always a risk that your video could be lost or damaged, leaving you open to a lawsuit from someone who is paying you to deliver a finished product.

For example, you’re hired by a corporation to create a video montage for an important annual conference. You spend several days shooting digital video at corporate headquarters and satellite offices, followed by weeks of editing. The conference is just days away when a tremendous storm hits your area, causing a power surge that zaps all of your computer equipment. All your hard work is lost, and your client – suddenly left scrambling to fill a hole in their conference schedule – decides to sue you.

Videographers’ professional liability insurance, also known as errors and omissions or E&O insurance, protects videography professionals from the high cost of such lawsuits by paying for your legal defense, as well as any judgments or settlements you may be obligated to pay, up to the limits of your policy.

What Professional Liability Insurance Covers

While coverage varies by policy and carrier, videography professional liability insurance policies can provide coverage for a wide range of concerns, including:

  • Reshoot expenses related to unexpected events, including scheduling errors and lost or damaged film
  • Expenses due to legal defense and court costs
  • Attorney fees and other legal expenses

Please note that videography professional liability policies typically provide coverage on a claims-made basis. This means that for a claim to be covered, the incident in question must have occurred while the policy was in force, and the claim must also be reported to the carrier while the policy is still active.

Contact Business Insurance Now for a Free Risk Assessment

Because videographers’ work can vary widely, you may need help selecting the right professional liability policy and coverage level to address all of your business risks. Contact the videography insurance experts at Business Insurance Now for a free risk assessment to help you select the right professional liability coverage for your videography business.

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.