Videographer insurance

What is business insurance for videographers?

The most common type of insurance for videographers is public liability insurance.

This is the backbone of most business insurance policies for videographers, protecting you from the consequences of slips, trips and falls that might happen when you’re out and about on a shoot.

You might also consider employer’s liability insurance if your business is expanding and you take on more people so that you’re covered if an employee falls ill or gets injured on the job, or business equipment insurance to make sure all of your most important equipment is protected if it gets damaged or stolen.

Why do videographers need insurance?

Being out and about on the job is in a videographer’s job description. When you’re doing that, you’ll be around your customers and the public all day. That’s where business insurance comes in – it’s there to help protect you against the risks of third-party injury or damage, as well as covering you and the work that you do. 

There are several situations where business insurance would come in handy, such as:

  • One of your cameras is damaged when you’re on a shoot
  • A guest is injured on a set as a result of your rigging equipment
  • A prop you’re using for filming falls on a client, and they get injured
  • Your filing equipment – cameras, lighting, tripods etc – get stolen from your van while your on location
  • The tablet you use to make bookings and create invoices gets dropped and smashed

What types of videography business can be covered?

We cover most professional situations, but won’t be able to cover you if you do: 

  • Aerial photography, including drones 
  • Underwater photography 
  • Hazardous locations 
  • Claims arising from lost or poor-quality photographs/footage 

How much does videography insurance cost?

AXA business insurance customers pay on average £6.58* per month for cover.

However, every business in unique and so are their insurance needs. But here are a few common factors that can affect any business insurance policy.

  • Your occupation affects the cost of your insurance as each trade and professional industry has different levels of risk. Often, the most risk your occupation poses, the high level of cover you’ll need.

  • Where you complete your work can affect your premium as businesses located in areas with heavy footfall, or who interact more consistently with members of the pubic, are at higher risk of accidents occurring.

  • How many staff you have will affect your premium as more employees opens to up to more possibilities of claims resulting in negligence or accidental injury.

  • Your turnover*** affects your policy price as a higher turnover suggests that you work with a large volume of clients, expensive contracts, or a combination of both. This means your risk factor for an insurer is higher.

The quickest and easiest way to find out what your price would be is to get a quote with us – and if you chose to get a quote online, you’ll also save 10%** on the cost of your policy.

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Do I need insurance as a freelance videographer?

Though it’s not a legal requirement, it’s still highly recommended that even as a freelance videographer you’ll need business insurance to protect your livelihood in the event of a claim. Additionally, if client you’ve been hired by is a local authority or a regulated business then they may require you to have business insurance before they can work with you.

There are no additional requirements of covers required when you’re working freelance, and the only main difference you may find is that you’re unlikely to need employers’ liability insurance since you’ll be working for yourself.

    Can I insure my equipment?

    Yes, you can get insurance specifically designed to protect your videography equipment.

    Business equipment cover can be used to protect cameras, lenses and tripods – as well as mobiles, laptops and hard-drives that are essential to the day-to-day life of your company. Simply add on to any of our core covers: public liability, professional indemnity, employers’ liability insurance or contents insurance.

    Frequently asked questions

    Do I need public liability insurance as a videographer?

    Yes, public liability is the main cover option for videographers. This is due to the amount of time you spend around your clients and other members of the public, so it’s important that you’re protected in case of any accidents.

    Do video editors need business insurance?

    Business insurance is an important investment for any business, and that includes video editors. You may choose to get a lower level of cover due to your limited exposure to the public, and your lack of employees, however it it’s still important to make sure your business is covered.

    Does public liability insurance cover my business for the actions of my employees?

    Yes, public liability insurance covers you for any action taken by your employee that results in a third-party making a claim against your business.

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    *10% of our customers paid from £6.72 for ten months between October and December 2023 after an initial deposit. Interest applicable. For more details see our terms & conditions.

    ** The guidance is provided on behalf of AXA by Arc Legal Assistance Ltd who are authorised and regulated by the Financial Conduct Authority.

    *** Note: Turnover only affects the price of retail occupations.