{"id":14129,"date":"2018-06-15T09:00:04","date_gmt":"2018-06-15T08:00:04","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=14129"},"modified":"2026-03-18T15:51:35","modified_gmt":"2026-03-18T15:51:35","slug":"insurance-for-videographers","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/insurance-for-videographers","title":{"rendered":"Insurance for videographers"},"content":{"rendered":"
\n
\"Videographer<\/figure>\n<\/div>\n\n\n

Lights, camera, accident.<\/p>\n\n\n\n

Filming is a messy, chaotic business. Tight schedules, busy people, and equipment lying around mean you need to be on your toes. At the same time, you can\u2019t be everywhere. Mistakes happen and no matter how much you disaster-proof your stuff, you can\u2019t always prevent the worst from happening.<\/p>\n\n\n\n

If you ask us, we reckon insurance for videographers is pretty much an essential tool<\/a>. What you need comes down to what you do and how you do it. Thing is, with enough types of business insurance out there to bamboozle anyone, seeing the wood for the trees isn’t easy.<\/p>\n\n\n\n

Here, we\u2019ve run through the typical (and not so typical) disaster scenarios videographers might face. Some you\u2019ll recognise, some you won\u2019t. But hopefully you\u2019ll get a better idea of what could happen and how insurance for videographers can help.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Scene 1: You damage a person or their property<\/strong><\/h2>\n\n\n\n

Shooting on location is fraught with potential for accidents. All that bulky equipment you carry about with you can topple, explode, and be tripped over. We\u2019re talking hot lights, fog machines, ladders, heavy suspended equipment, rigging, and power tools. In other words, stuff that can seriously harm fragile bodies.<\/p>\n\n\n\n

Then there\u2019s the damage you might do to someone\u2019s property while filming. Props can get knocked over, carpets muddied, wedding dresses trampled on. If that happens and you\u2019re deemed responsible, you\u2019re going to have to pay damages and\/or compensation to the injured party.<\/p>\n\n\n\n

All this should land videographers’ public liability insurance<\/a> straight on top of your list of insurance must-haves. It covers your legal costs and any compensation you owe. A life-saver, in other words.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Scene 2: A member of your crew gets injured<\/strong><\/h2>\n\n\n\n

Speaking of injuries, what about your<\/em> people? Fine if you\u2019re a one-man band. But if you hire actors, runners, makeup people, and the like, you\u2019re bound by law to have employers\u2019 liability insurance<\/a>.<\/p>\n\n\n\n

This covers you for injuries or sickness to your staff caused by the work they’ve done for you. Needless to say, the bigger the production, the more videographers’ insurance you\u2019re going to need.<\/p>\n\n\n\n

If you\u2019re wondering who\u2019s an employee and who isn\u2019t, check out the Health and Safety Executive\u2019s definition<\/a>. You\u2019ll also need to cover any freelancers who work with you (more on that here<\/a>).<\/p>\n\n\n\n

<\/p>\n\n\n\n

Scene 3: Your place of work is out of bounds<\/strong><\/h2>\n\n\n\n

Maybe you have a studio or an office\u2026 if you do, you need to think about protecting it and any equipment you keep there.<\/p>\n\n\n\n

Business and contents insurance<\/a> will pay to repair or rebuild your workplace completely if it falls victim to something like a fire, flood, or a falling tree. That includes any equipment, fixtures, and fittings too.<\/p>\n\n\n\n

If you want an extra safety net, you can add on business interruption insurance. This\u2019ll cover any lost income caused by these kinds of unfortunate events. And it\u2019ll pay out for any temporary premises or equipment you need to hire to keep your business running.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Scene 4: Your equipment is broken, lost or stolen<\/strong><\/h2>\n\n\n\n

In our experience, most videographers\u2019 insurance claims are for broken or lost equipment.<\/p>\n\n\n\n

Ever totted up the cost of all your equipment? From your flashiest lights to your smallest SD card, you\u2019d be surprised how much it adds up to. It\u2019ll take thousands or even tens of thousands of pounds to replace everything.<\/p>\n\n\n\n

When it comes to your gear, two things cover it: portable equipment insurance <\/a>and equipment breakdown insurance<\/a>. The first protects the gear you take out and about with you. The second covers electrical and\/or mechanical failure (like a camera that conks out or a hard drive that fails).<\/p>\n\n\n\n

Having both means you\u2019re covered for theft, accidental damage, loss, and the inconvenience and expense of stuff giving up on you.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Scene 5: A cyber-attack wipes out your hard drive<\/strong><\/h2>\n\n\n\n

Cyber-attacks in the form of viruses, hackers and data theft are a danger to any business that uses the internet or email. Videographers can find themselves especially badly hit, with a bit of malware all it takes to wipe your video clips, editing programmes, and client\u2019s details. Leaving you without a business, basically.<\/p>\n\n\n\n

While there\u2019s enough preventative methods out there to leave you thinking you\u2019ve ticked all the boxes, nothing is fool-proof and it\u2019s good to have a plan B. Like cyber insurance<\/a>.<\/p>\n\n\n\n

It\u2019s a handy thing to have about if you\u2019re using a laptop to store your client\u2019s confidential data or work on content of a personal nature (a couple\u2019s wedding video, for example). It protects you if you\u2019re sued for something like unauthorised data theft and it\u2019ll even cover the cost of restoring your systems and\/or website to get you up and running again.<\/p>\n\n\n\n

It’s worth noting that crime cover isn’t always included with a standard cyber insurance policy. So make sure you check and get it added on if you want to be covered for things like cyber-attacks.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Scene 6: A client refuses to pay for your work<\/strong><\/h2>\n\n\n\n

Let\u2019s say you\u2019ve wrapped up a project. What happens when your client then turns around and says they\u2019re unhappy with your work? What if they say you haven\u2019t done a good enough job and refuse to pay?<\/p>\n\n\n\n

Professional indemnity insurance<\/a> is worth saving for last because, in some ways, it\u2019s the most critical type of insurance that all videographers need. It covers you if a client says your mistake has cost them money, or you\u2019ve not done what was asked, and pays for whatever you need to do to fix it.<\/p>\n\n\n\n

For example, it could cover the cost of reshooting a live event where the organiser feels you didn\u2019t do it justice. Or it could compensate an irate client who claims the promotional video you made for their business is way off-brand and has to be redone.<\/p>\n\n\n\n

It\u2019s a reputation saver and a pocket saver, and it\u2019s something all professional people probably need at some point. The potential costs for not having it are far greater than what it costs to buy so it\u2019s definitely something worth looking into.<\/p>\n\n\n\n

<\/p>\n\n\n\n

That’s a wrap<\/strong><\/h2>\n\n\n\n

The stress that any of these scenes can put on your business is enormous. Especially if you don’t have the right insurance in place.<\/p>\n\n\n\n

Videographers’ insurance<\/a> helps you cut these scenes, making the story of your business a smooth one.<\/p>\n\n\n\n

Ready to work together on creating the perfect insurance compilation? Or just have a few questions? Give our team a call on 0345 222 5391<\/strong>. They’ll be happy to help.<\/p>\n\n\n\n

Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Lights, camera, accident. Filming is a messy, chaotic business. Tight schedules, busy people, and equipment lying around mean you need to be on your toes. At the same time, you can\u2019t be everywhere. Mistakes happen and no matter how much … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[290],"tags":[144,158,227,214,178,177],"class_list":["post-14129","post","type-post","status-publish","format-standard","hentry","category-self-employed-and-freelance-advice","tag-business-interruption-insurance","tag-cyber-insurance","tag-equipment-breakdown-insurance","tag-health-and-safety","tag-portable-equipment-insurance","tag-videographers"],"acf":[],"yoast_head":"\r\nInsurance for videographers: what you need<\/title>\r\n<meta name=\"description\" content=\"You can disaster-proof your set, or try to protect your equipment from damage, but insurance for videographers is an essential back up.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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