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Videographer insurance

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What's on this page

Why do you need videographers insurance?

Videographers’ insurance covers you against the cost of professional accidents and slip-ups – from theft of your cameras and equipment to losing that all-important client file during post-production. Whether it’s just you or you’ve hired an employee or two, it’s specialist protection for your business.

  • Tick iconProtection from expensive claims like professional mistakes or contract disputes
  • Tick iconHelp to keep going if an unexpected crisis hits your business
  • Tick iconCover for what you need from personal accidents to your tools and equipment
Start your quote

What does videography insurance cover?

From a shoot that goes wrong to the oddest client brief, expecting the unexpected is a big part of what you do. Videographer insurance is designed to remove some of the guesswork, staying one step ahead of risks like an employee dispute, camera theft, an injury or professional mistake.

Professional indemnity insurance

In case you’ve made a mistake or your client claims for negligence.

What’s typically covered by professional indemnity insurance for videographers?

Claims against your business for professional negligence which cause your client a financial loss, including:

  • Tick iconadvice you’ve given which turns out to be incorrect
  • Tick iconerrors or mistakes in your work

Breach of contract

For example:

  • your employee drops a camera on the way back from a shoot, losing an entire day’s footage
  • you run into delays while editing a client’s wedding shoot, resulting in a claim for breach of contract

Read more about professional indemnity insurance

Public liability insurance

In case someone has an injury, or their property gets damaged.

What’s typically covered by public liability insurance for videographers?

Claims against your business for:

  • Tick icondamage to someone’s property, because of your work
  • Tick iconan injury caused by your videography business
  • Tick iconaccidental damage or injury caused by your employee, if you have one

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:

  • on a home visit, your client’s child trips over your tripod leg, breaking their ankle
  • you tread mud through an expensive carpet while shooting at a wedding reception venue

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured through working for your videography business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • Tick iconan employee suing you because they get injured or fall ill as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • one of your camera operators falls down the stairs during a shoot and breaks their arm
  • your temp slips on a muddy slope at an outdoor shoot, injuring their back and causing chronic pain

Stock insurance

In case the materials you rely on for work are lost, stolen or damaged.

What’s typically covered by stock insurance?

  • Tick iconloss, damage or theft of materials like tapes and memory cards

For example:

  • your crates containing tape boxes come loose in the back of your car, and are damaged on the way to a wedding shoot
  • someone breaks into your home office and steals your entire stock of memory cards, delaying tomorrow’s job

Read more about stock insurance

Business and office equipment insurance

In case something happens to equipment like your laptop.

What’s typically covered by business and office equipment insurance?

  • Tick icontheft of the equipment you use to run your business (operational equipment, not tools of the trade)
  • Tick iconaccidental loss of your equipment
  • Tick iconflood, fire or accidental damage

For example:

  • a leak in your studio causes damage to two of your cameras, as well as wedding footage from the weekend
  • you trip over your bag and break a camera lenses

Read more about business and office equipment insurance

Legal expenses insurance

In case you’re faced with legal costs while running your videography business.

What’s typically covered by legal expenses insurance?

  • Tick iconlegal costs associated with day-to-day operations, like an employee dispute
  • Tick iconproperty damage, nuisance or trespass and associated legal costs
  • Tick iconHMRC, tax and compliance issues, if they come up
  • Tick iconincludes a tax advice helpline, a 24/7 confidential legal helpline and crisis PR support to help you protect your reputation, as a professional videographer

For example:

  • your employee is injured on a difficult shoot and brings a legal case against you
  • HMRC select your business at random for a tax affairs enquiry

Read more about legal expenses insurance

Personal accident insurance

In case you or anyone you’ve covered has an accident.

What’s typically covered by personal accident insurance?

  • Tick iconinjury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
  • Tick iconlost income, hospital bills or other medical costs associated with the accident

For example:

  • you trip over your tripod and break your ankle
  • an employee shuts their hand in the car door on their way to your next shoot location, breaking a finger

Read more about personal accident insurance

How much does videography insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.13 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.

Example videographer insurance quotes, real prices

£13.63 /month

£116.27 /year

A local videographer (cover excludes underwater and aerial work)

  • 1-2 years' experience
  • Sole trader
  • No employees
  • Based in Middlesbrough

Public liability

Not included


Employers' liability

Not included


Professional indemnity

£50,000

£43.05 /month

£382.71 /year

A small video production company (cover excludes underwater and aerial work)

  • 5+ years' experience
  • Limited company
  • 1 employee
  • Based in Portsmouth

Public liability

£2,000,000


Employers' liability

£10,000,000


Professional indemnity

£250,000

How we work out example quotes These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Stock£100£500
Business and office equipment£50£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Does videographer insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider web marketing or designers insurance?

Do I need cover for other types of work?

If you provide these services alongside your work, make sure you’re covered:

  • [Photographic studio](Quote form only)
  • [Photo processing & printing shop](Quote form only)
  • [Photographic equipment shop](Quote form only)

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, Sat 09.00am - 02.00pm

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Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having videography insurance through Simply Business has saved businesses thousands of pounds when the unexpected happened.

Max saved more than £2,100

While loading up his car for a shoot, Max (not his real name) dropped two cameras onto cracked tarmac, damaging both lenses and other functionality. His videographers’ insurance covered the accidental damage.

Insurance payout

£2,147.66

Covering the cost of accidental damage


Max’s costs

£100

The excess amount stated in Max’s policy terms

Chosen by 800,000 small businesses

We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Videographers insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about videography insurance.

  • Despite best efforts and lots of experience, accidents do happen. Public liability insurance is often an important cover for videographers, and can protect you if someone is injured or property gets damaged because of your business.

    If you’re offering professional services and expertise to your client, professional indemnity insurance could be a vital cover. And employers’ liability insurance is a legal requirement if you employ anyone, even in your own home – failing to take out the right cover can result in heavy fines.

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a videographer, you may also do photography work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer

Helpful articles for videographers

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2 August 2018 • 5-minute read

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