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Video production insurance

Understanding Video Production Insurance: Essential Coverage for Your Business

As a filmmaker or videographer, you know that creating compelling video content involves risks and challenges. From equipment damage to unexpected accidents on set, there are numerous potential pitfalls that could disrupt your projects and leave you facing financial losses. That’s where video production insurance comes in – a vital safeguard for your business and creative endeavors.

Video production insurance is a specialized type of coverage designed to protect filmmakers, videographers, and production companies from the various risks associated with their work. This comprehensive insurance policy offers financial protection against a wide range of potential liabilities, ensuring that you can focus on bringing your artistic vision to life without worrying about unforeseen events.

The Importance of Video Production Insurance for Filmmakers and Videographers

  1. Protecting Your Equipment: As a filmmaker or videographer, your cameras, lenses, lighting equipment, and other gear are essential tools of your trade. Replacing or repairing damaged or stolen equipment can be expensive, and it could disrupt your workflow. Video production insurance can cover the cost of repairing or replacing your equipment, allowing you to get back to work quickly.

What insurance do I need for video production?

We can easily classify which insurances you need depending on the type of work.


  1. Workers compensation insurance In order to be covered in case the worker gets injured or sick at the workplace.
    This insurance is required by most states because you must cover all work-related injuries and medical expenses, lost wages of the injured worker and even death. Regardless of whether the worker has personal health insurance, you are responsible for his medical expenses if an injury occurs in the workplace, and such injuries occur even in the safest conditions. If you do not have this insurance, you have to pay all the costs yourself, which can be quite expensive.
  1. General liability insurance.
    It covers bodily injury to your customers, property damage, advertising damage, personal injury, rental property damage and medical payments. These situations are common and every company should consider about this type of policy.
  1. Professional liability insurance. In case your advice causes some damage to the client.
    The damage you can cause to your clients can be financial or physical. Such as doctors, consultants, advisors, personal trainers, nutritionists… Of course, the price of this insurance depends on the type of service you offer.
  1. Business owners policy.
    This is a combination of two different insurance policies for general liability insurance and property coverage.

It includes cover for business interruption caused by a claim, which is ideal for small and medium-sized business owners. The problem with this policy is that it does not cover employees at all.

The Business owners policy includes customer injuries, customer claims related to your products, damage to movable and immovable property.

  1. Commercial car insurance. To insure your people and company on the road with a policy. The difference between Commercial Auto Insurance and Personal Auto Insurance is that Commercial Auto Insurance covers far more things. Such as, for example, loading and unloading, business equipment on vehicles, coverage of rented vehicles, greater exposure of property, loaded items on the vehicle or trailer…
    1. Tools and equipment insurance is up to $10,000. It is intended to cover costs if the equipment is damaged during use, stolen or vandalized.
      The tool or work equipment must not be older than 5 years. And tool damage due to wear and tear is not covered.
      If you own tools that $10,000 won’t cover. You should take out inland marine insurance.
  1. Commercial Umbrella Insurance.

This coverage extends of  the limits for some of your liability policies.

 In most cases, more than one type of insurance is required. 

Video production insurance cost

The cost of video production insurance can vary widely depending on several factors, including the scope of the project, the coverage limits, the location of the shoot, and the insurance provider. Here are some approximate annual premium ranges for video production insurance policies:

  1. Short-Term Shoot Insurance: This type of insurance is designed for individual shoots or projects and typically covers liability, equipment, and other risks during the production. Premiums can start at around $500 to $1,000 for short-term policies, depending on the coverage needed and the length of the shoot.

  2. Annual Coverage for Production Companies: Production companies that work on multiple projects throughout the year may opt for annual insurance coverage. Premiums for annual policies can vary widely but may range from $2,000 to $5,000 or more, depending on the company’s size, revenue, and the coverage limits.

  3. Equipment Insurance: Coverage for video production equipment can be a standalone policy or part of a broader insurance package. Premiums for equipment coverage may start at around $500 to $1,000 annually, depending on the value of the equipment.

  4. General Liability Insurance: General liability insurance protects against third-party bodily injury or property damage claims. Premiums for general liability insurance for video production can vary, but they may start at around $500 to $1,000 annually.

  5. Errors and Omissions Insurance (E&O): E&O insurance is essential for protecting against legal claims related to copyright infringement, defamation, or other errors or omissions in your content. Premiums for E&O insurance can start at around $2,000 to $5,000 or more annually, depending on the project’s size and distribution.

  6. Workers’ Compensation: If you have employees or hire freelancers for your productions, you may need workers’ compensation coverage. Premiums for workers’ compensation can vary based on the number of employees and their job roles.

It’s important to note that these are approximate premium ranges, and the actual cost of video production insurance will depend on the specific needs of your project or business, as well as the insurance provider’s rates. Additionally, factors such as the location of the shoot (e.g., shooting in high-risk or remote locations may increase premiums), the type of content produced, and the duration of coverage can all influence the cost.

It is best to ask for a quote so that we can find the best offer for you with our carriers. 

We will find the best business insurance tailored to your needs. Read more… 

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