Videographer insurance

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:

• advice you’ve given which turns out to be incorrect
• errors 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:

• damage to someone’s property, because of your work
• an injury caused by your videography business
• accidental 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:

• an 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?

• loss, 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?

• theft of the equipment you use to run your business (operational equipment, not tools of the trade)
• accidental loss of your equipment
• flood, 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?

• legal costs associated with day-to-day operations, like an employee dispute
• property damage, nuisance or trespass and associated legal costs
• HMRC, tax and compliance issues, if they come up
• includes 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?

• injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
• lost 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

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:

• Photography insurance
• Photo booth insurance
• [Photographic studio](Quote form only)
• [Photo processing & printing shop](Quote form only)
• [Photographic equipment shop](Quote form only)
• Artist insurance
• Journalist insurance

Other types of insurance

• Limited company insurance
• Self-employed insurance
• Freelance insurance
• Consultant insurance
• Sole trader 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.