Videographer Insurance
Comprehensive coverage built for how you work. Protect your videography business and get back to filming in 10 minutes or less.
Optional camera equipment, drone, cyber liability, and professional liability coverage available
- Get Camera Equipment + General Liability coverage from $30.17/month
- Instant COI (Certificate of Insurance) and 24/7 online policy management
- $2 million in general liability coverage to meet contract and venue requirements
- 1–3 day single event policies for short-term coverage
Who Needs Videography Liability Insurance?
Every professional videographer needs liability insurance. No matter your specialty or experience level, you face liability risks — and you could be held responsible for hefty expenses if an accident involving your production occurs.
Full Frame Insurance (FFI) covers thousands of professional videographers across many industries, including:
Documentary
Videography
Don’t see your specialty? Simply start a free quote or contact us to see if you’re eligible.
Our Partners
- General Liability (2M Limit)
- Products-Completed Operations (2M Limit)
- Up to $75k of Camera Equipment Protection
- Professional, Cyber Liability, Drone Liability, and Drone Coverage Available
- Photographers & Videographers
- Long Term Liability Coverage
or $347/year
- General Liability (2M Limit)
- Products-Completed Operations (2M Limit)
- Up to $75k of Camera Equipment Protection
- Professional, Cyber Liability, Drone Liability, and Drone Coverage Available
- Photographers & Videographers
- Long Term Liability Coverage
or $347 / year
or $129 / year
What Is Videographer Insurance?
Videographer insurance is business liability insurance tailored specifically for video professionals. It’s designed to protect you from third-party claims related to your business operations, like clients getting hurt during filming, or the shooting location’s property being damaged.
With FFI, you get a series of essential liability coverages plus multiple add-on options, so you can build the best policy built for your business. Start with one of three base options:
- Annual Plus (from $30.17/month): Includes general liability, the first tier of camera and equipment insurance, and the option to add additional coverages (most popular)
- Annual (from $12/month): Includes general liability and the option to add additional coverages
- Event (from $59/event): Includes general liability and the ability to add additional insureds
Note: All policies allow you to add additional insureds, but other optional coverages, like professional liability and camera insurance, are not available on Event policies.
No matter how careful you are on set, you can’t eliminate all risk. An actor could get hurt, your camera could get damaged mid-shoot, or a corrupted memory card could put your whole production at risk. Without insurance, even one incident can cost you thousands out of pocket.
How Much Does Videographer Insurance Cost?
Videography insurance costs as low as $12 per month, or $129 per year, for a standard annual liability policy.
Annual Plus policies start at $30.17 per month and include all standard liability coverages, plus $20,000 in camera equipment coverage. If you upgrade to the $30,000 camera coverage tier (our most popular), your policy would only cost $31.75 per month.
Single Event policies cost just $59 per event and cover up to three consecutive days.
Let Us Take Care of That
Accidents happen — even to the most careful videographers. With FFI, you’re covered. Here’s how we’ve helped others like you:
Get peace of mind today.
All policies have conditions, limitations, and exclusions — review your policy for exact details. Claim scenarios vary, and similar claims do not guarantee coverage.
Videography Insurance Coverage Details
General Liability Insurance for Videographers
$2,000,000 Annual Limit
General liability insurance covers third-party bodily injury and property damage claims. If your client were to get injured during a photoshoot, general liability can help cover medical bills and legal fees.
All FFI Annual and Event general liability policies include personal and advertising injury, no-fault medical expenses, and damage to rented premises coverages. Visit our FFI insurance simplified page to learn more.
Products-Completed Operations
$2,000,000 Annual Limit (Included)
If your final product causes injury or damages, products-completed operations insurance is your financial safeguard so you don’t have to pay out of pocket.
Note: Included in Annual Plus and Annual policies. Not available for Event policies.
Professional Liability Insurance for Photographers
$200,000 Annual Coverage (Optional)
Also known as “failure to deliver” or errors and omissions (E&O), professional liability coverage protects you from mistakes you make as well as issues that may be out of your control.
It can cover negligence claims that arise from issues like malfunctioning equipment, faulty memory cards, or if you get sick and have to cancel at the last minute. It even extends to your professional advice, so if you teach photography classes as part of your business, we strongly recommend this additional coverage option.
Note: Included in Annual Plus and Annual policies. Not available for Event policies.
Camera Equipment Insurance
Up to $75,000 Annual Coverage (Optional)
Also known as inland marine insurance, camera equipment insurance can cover the cost of repairing or replacing damaged or stolen business equipment — including camera bodies, lenses, lighting equipment, and more.
FFI offers multiple coverage options for equipment insurance based on your business needs.
Note: Not available for Event policies.
Drone Liability
$1,000,000 occurrence / $2,000,000 aggregate (Optional)
Drone liability insurance is a financial safety net in case of drone-related accidents that hurt someone else or damage their property. This coverage can also shield you from legal costs if someone claims your drone filming violated their privacy or harmed their business reputation.
Note: Not available for Event policies.
Drone Coverage
Up to $75,000 Annual Coverage (Optional)
Drones help you capture creative, cinematic shots like no other, but they’re also a serious investment for your business. This special type of equipment coverage protects that investment by helping with repair or replacement costs if your drones are damaged or stolen on the job.
Note: Not available for Event policies. You must also purchase Drone Liability Insurance before you qualify for Drone Equipment Coverage.
Cyber Liability
$100,000 Annual Coverage (Optional)
Cyber liability insurance can protect you from losses related to cyber attacks, like data breaches, malware, or ransom payments. This coverage can also cover legal fees and credit monitoring services for your customers who were affected by the attack.
Note: Not available for Event policies.
Here’s what other shutterbugs have to say about their experience.
Really easy & just what I needed now that I’ve upgraded my gear and need to have that peace of mind. Hopefully, I won’t need to submit a claim in the future, but if I do, I hope it goes as well as the purchasing did.
The easiest and fastest insurance experience I’ve ever encountered! I was overpaying dramatically for my business insurance before I found Full Frame. I’m so glad I found them!
Quick easy and more affordable than other options. I called to get a question answered and it was a really nice experience, the lady I spoke with was really helpful and kind.
Easier way to get insurance for your event. Hopefully I will never have to use it. 📸📽️
Ordering was super simple. Hopefully if I need to make a claim one day, that will be simple.
What Does Videography Insurance Include?
All FFI videographer policies include:
General Liability Insurance:
For bodily injury and property damage you may unintentionally cause others ($2 million per policy term / $1 million per occurrence).
Personal and Advertising Injury Insurance:
for claims of false advertisement, copyright infringement, and defamation ($1 million).
Damage to Premises Rented:
For damage to rented spaces, like a sound stage or film studio. It covers damage to structure, furnishings, and so on for the first seven (7) days, and damage caused by accidental fire afterward. ($300,000).
Medical Expense Limit:
For minor medical bills, regardless of fault ($5,000).
Additional Insureds:
For when property owners and event organizers require you to list them as additional insureds on your policy; you can add unlimited additional insureds for $30 on Annual plans and $10 on event plans (optional with any policy).
In addition to the coverages listed above, Annual FFI policies with also include:
Products – Completed Operations:
For claims where your final products cause injury or damage ($2 million).
Optional Coverage Add-Ons
All FFI videographer policies include:
Data Breach Insurance:
Also known as cyber liability, it helps protect you from the financial repercussions that arise from a cybersecurity breach caused by hackers, malware, and more. If you collect, send, or store business information online on a computer, tablet, or mobile device, we recommend adding this to your policy ($100,000) .
Professional Liability (Failure to Deliver):
Also known as errors and omissions or E&O insurance, it protects you from negligence claims that arise from mistakes — like giving poor instructions or failing to provide necessary information. We strongly recommend this coverage, especially if you teach classes or run demos as part of your business ($100,000 occurrence / $200,000 per policy term).
Drone Liability Insurance:
Necessary to be covered for general liability claims related to drone operations ($1 million occurrence / $2 million aggregate).
Drone Equipment Coverage:
Works like standard video equipment insurance but also extends coverage to include drones. Heads up: you need Drone Liability Insurance to qualify for Drone Equipment Coverage (up to $75,000).
Video Equipment Insurance:
Helps protect you from paying out of pocket to repair or replace damaged or stolen business equipment(up to $75,000).
Increased Limits:
Increase any Annual Policy limits to $2 million per occurrence and $2 million per policy term for an additional $6.42/month
Common Questions About Videographer Insurance
What Type of Insurance Does a Videographer Need?
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.
What Types of Claims Does Videography Insurance Cover?
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.
Does Videographer Insurance Cover My Camera and Gear?
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.
What is Video Equipment Insurance?
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
How Much Does Video Equipment Insurance Cost?
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
Why Do I Need Videographer Insurance?
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.
Looking to access your user account, add any additional coverages, or access your policy certificates and documents? Log in here.
Full Frame Insurance (FFI) offers essential coverage for photographers and videographers across the nation, including travel, portraits, weddings, and special events. Get peace of mind, so you can keep capturing moments without worrying about what could go wrong. Our customer support team is ready to answer your questions, ensuring fair coverage prices and a picture-perfect buying experience.
- General Liability Insurance
-
Optional Camera Equipment Coverage
(Inland Marine) - Online Application
- Licensed, U.S.-based Support Team
- Up to $2 Million/$2 Million Coverage