What is Videographer Event Insurance?
Videographer event insurance acts like a safety net for risks that can crop up while you’re trying to get the perfect angle for your next video. It’s designed to protect your videography business, career, and finances against common claims and to meet the requirements of venues and event organizers.
For example, a bride could trip over the tripod you set up for her outdoor wedding, fall, sprain her ankle, and then sue you to pay for her medical bills. Or you could knock over an expensive vase while setting up for an indoor shoot and be sued by the venue to replace it.
Videographer event insurance covers you for scenarios like these while you cover the event.
What’s Included in Event Insurance for Videographers?
Full Frame Insurance (FFI) includes all the essential coverages videographers need for events into an affordable policy, including:
- General Liability: Protection from third-party medical injury or property damage claims.
- Personal and Advertising Injury: Coverage for claims of libel, defamation, copyright infringement, or invasion of privacy.
- Damage to Premises Rented to You: This part of your policy offers additional help with property damage to space you rent for business, like inadvertently scuffing the flooring while moving your gear into a new studio, and the landlord holding you responsible for repairs.
- Medical Expenses: This is a $5,000 “no-fault” limit for medical expenses from third-party injury claims.
- Additional Insureds: Additional insureds are people or organizations that aren’t automatically included on your policy but who require you to add them (like a landlord, venue, or event organizer).
Plus, with FFI you get up to 3-day event coverage. Why is this important? It allows for multi-day events (like shooting both the wedding eve rehearsal dinner and the wedding the next day) or extra days you might need to set up or take down your gear.
What Events Do Videographers Need Insurance For?
No matter where you’re capturing video, there are risks involved — so you always need to cover your videography business with event insurance. Event insurance can cover you for a range of activities, like:
- Wedding videography
- Sporting activities
- Competitions
- Commercial events
- Trade shows and conventions
- Baby showers and other special events
- Tailgates and cooking competitions
- Fairs and conventions
- Performance and fine art
- Filming wildlife
- Travel videography — and more
What Risks Do Videographers Face at Events and What Does Insurance Cover?
You might not have thought a lot about the risks that are inherent to your work, but they are there, sometimes hidden in plain sight! For example, do you use cords to run electricity to your equipment or tripods? Those are small tripping hazards that could cost you big.
And no matter how careful you are, accidents can still happen. Here are a few of the risks you could face and what videographer event insurance is designed to cover:
Third-Party Property Damage Claims
While setting up tripods for an indoor wedding, you accidentally back into a wall and your equipment puts a hole in it. Your policy can pay for the venue’s property damage claim, so you don’t have to pay out of your pocket for the drywalling and painted needed for repairs.
Third-Party Injury Claims
You’re filming a family reunion. A child trips over one of your cords, fractures their wrist, and the parents sue you to pay the medical bills. Videographer event insurance can pay for the medical bills, so it doesn’t ruin your bottom line.
Third-Party Personal or Advertising Injury Claims
You grabbed a photo from the internet to use to promote your business on social media but didn’t realize it was another photographer’s work. It ends up in your video reel and you get sued for copyright infringement. Personal and Advertising Injury is designed to help you with legal fees, settlements, and more in a scenario like this.
What is the Cost of Event Liability Insurance for Videographers?
Day-of-event insurance for videographers from FFI only costs $59 per event and (if you need it) a nominal fee of $5 for unlimited additional insureds to your policy. If you shoot more than two events per year, you can stay covered year-round with an annual policy that covers you at events for as little as $12 a month.
When you compare the cost of insurance to the potential costs of claims, the need to protect your videography business is obvious. So what are you waiting for? Get coverage today and film with peace of mind.
Common Questions Videographers Have About Event Insurance
Do Wedding Videographers Need Insurance?
Yes! All wedding videographers need insurance because they face risks like a guest tripping over their gear, a venue getting damaged while they’re filming or setting up equipment, and more. Minus insurance, a wedding videographer will have to pay out of pocket for claims like these which could ruin their finances and force them to close their business.
Do Corporate Event Videographers Need Insurance?
Insurance is a must for commercial event videographers as the potential to accidentally cause property damage or have someone sustain an injury due to your filming or setup is there. Event insurance shields you from costly claims that arise out of trip-and-fall accidents, third-party property damage, and more.
Can I Get Insurance for a One Day Event?
Yes. Videographers can get insurance for one-day events like weddings, fairs, corporate events, media events, real estate shoots, special occasions, and more.
