Videographer Insurance

Videographers need general liability coverage for third-party injury and property damage claims, professional liability insurance to help protect against errors and omissions, and camera equipment insurance to safeguard their gear. They should also consider data breach coverage (aka cyber liability) to guard against financial fallout from cyberattacks.

Common videography claims stem from things like unhappy clients, injured third parties, or damaged property. Videographer insurance is designed to cover claims like these:

• Third-party bodily injury claims, like if a wedding guest needs medical attention after tripping over your tripod
• Third-party property damage claims, like if your lighting apparatus topples over and damages a venue’s flooring
• Third-party claims related to real or perceived negligence, like using a bad memory card, losing a client’s photos, or failing to provide the finished product on time (with optional professional liability coverage)
• First-party claims related to damage or theft of your essential gear (with optional camera equipment coverage)

Claims like these can drain your profits fast, financially devastating your business. FFI’s robust coverage is built to absorb these hits, so a single bad day on set doesn’t threaten your entire business.

Yes — depending on the policy you purchase. Our Annual Plus plan bundles camera and gear coverage alongside general liability.

Standard Annual policies, however, do not automatically include coverage for your cameras and equipment. You need to opt in to that coverage when purchasing your policy, or, if you’re an existing policyholder, you can log in to your online portal and add camera coverage anytime.

Camera coverage is not available on Event policies.

Also known as inland marine or camera insurance, video equipment insurance is designed to cover the cost of repairing or replacing damaged or stolen business equipment. It covers the transportable gear you own or rent to run your business, including:

• Laptops
• Gimbals
• Lighting rigs
• Audio equipment
• Camera bodies and lenses
• Drones (with drone camera equipment coverage)

Our equipment insurance covers qualified claims that occur at home, in transit, and on location.

Full Frame offers four equipment coverage levels, with total annual protection ranging from $20,000 to $75,000. So, whether you’re insuring a single camera body or a full production kit, FFI has the coverage that matches what’s on your call sheet.

• Available for Annual policies, from $20,000 to $75,000 in aggregate (the max your policy will pay during your policy period) coverage
• Starts at $18.17/month or $218/year
• $250 deductible

FFI offers four levels of Camera Equipment Coverage:

• Tier 1: $2,000 per
  item/$20,000 aggregate = $18.17/month
• Tier 2: $5,000 per item/$30,000 aggregate = $19.75/month
• Tier 3: $10,000 per item/ $60,000 aggregate = $37.50/month
• Tier 4: $15,000 per item/ $75,000 aggregate = $47.33/month

FFI also offers four levels of Drone Equipment Coverage:

• Tier 1: $2,000 per item/$20,000 aggregate = $25.83/month
• Tier 2: $5,000 per item/$30,000 aggregate = $32.08/month
• Tier 3: $10,000 per item/ $60,000 aggregate = $63.33/month
• Tier 4: $15,000 per item/ $75,000 aggregate = $82.50/month

You need videographer insurance because videography (even amateur videography) comes with risks. Filming at different locations, hefting your gear back and forth, and shooting a variety of subjects exposes you to an array of unknowns. In the event of an accident, you could face claims with an out-of-pocket cost in the thousands.

It’s also common for venues, national and state parks, landlords, event organizers, and other third parties to require you to provide proof of insurance. You may be required to add them to your policy as additional insureds. This protects them if they are sued because of an incident arising from your business operations.