Why do videographers need insurance?
Making videos is a complex process – first comes planning, followed by a careful filming stage and you may also edit. Each step brings opportunity for slip-ups and disagreements. You might select a location that didn’t meet client expectations, misplace your memory card at a wedding, or mistakenly publish a corporate video before sign-off, without cutting a defamatory comment. If someone feels they have lost money due to such an issue, they might try to sue you for negligence – luckily, videographers’ professional indemnity insurance is there to help with the costs.
Accidents and injuries
Filming a music video might not seem like risky business, but accidents can strike out of the blue. You might direct an actor to step backwards, causing them to lose their footing, or a set designer could trip on your camera cable, leading to a head injury. As a video business owner, you might not realise you carry responsibility for keeping members of the public and their property safe – public liability insurance could provide a lifeline for videographers if your actions were questioned in court.
For a professional videographer, insurance often means protecting the equipment that makes your work possible. After all, your hard-won skills can’t be utilised without your digital cinema camera, three-point lighting kit and microphone. If these were damaged or stolen during a business trip, your work could be delayed. Tailoring your videographers’ policy to include portable equipment insurance helps to take care of the lights, the camera and the action by swiftly repairing or replacing gear that’s been lost, stolen or damaged.
What insurance is available for videographers?
Many videographers can also benefit from portable equipment insurance – especially those who film on location – and might want to add on equipment breakdown cover too. Other useful covers might include professional indemnity insurance to cover client disputes, plus employers’ liability insurance for businesses with staff.
If you’re not sure what you need, tell us a little more about your videography business. We’ll help you to build your quote and explore any other insurance needs.Build my cover
Insurance for videographers: FAQs
Does Hiscox videographer insurance cover me for working abroad?
Yes, if you select this option when building your policy, videographer insurance from Hiscox provides cover for work which takes place abroad – as long as you are normally a resident in the UK.
For video professionals who regularly travel to shoots on location, international meetings, or who might need to do so for a one-off event, this added protection can be invaluable.
When you build your cover, you’ll be able to choose between worldwide, Europe or UK-only cover, so it’s possible to select the option which best suits your business needs.
What insurance do I need to cover a copyright infringement claim?
You’d never intentionally steal someone else’s work, but in creative fields such as videography, you may be at risk of falling foul of copyright laws.
You might accidentally include background music someone else owns the rights to or a stock video clip which you mistakenly believe to be in the public domain. You could even be accused of passing off another company’s intellectual property if they believe your video used imagery that may lead viewers to think the content was theirs.
The most relevant type of insurance for a copyright infringement claim is professional indemnity insurance – at Hiscox, this covers videographers and other professionals for infringement of copyright, trademarks and moral rights.
How much portable equipment insurance does a videographer need?
The amount of portable equipment cover a videographer needs may depend on the type of kit you own and how much it would cost to replace. In the event of a claim, the maximum amount you can receive is the cover limit – which you can calculate by adding up the cost of replacing your specialist kit on a new for old basis.
It might be useful to remember that the current value of your camera, wide angle lenses, tripods and audio equipment may be lower than the replacement cost, and to include lesser-used items in your calculations too.
You’ll want to include high-value items such as laptops and drones, but also account for the cost of items such as DSLR shoulder mounts, external hard drives and headphones.
Related articles and guides
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Photographers and videographers have similar equipment and working patterns, so their insurance requirements may not be far apart. Read Annabel Venner’s article to learn about photography insurance needs.
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