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Whether you work as a wedding videographer, you’re contracted by businesses to film their events or shoot their commercials, or musicians regularly require your videography skills in order to record their concerts and gigs for posterity, if you’re a videographer there’s a good chance that you’re self-employed and able to set your own agenda and pick and choose which projects you want to work on.
However, that does mean that you could be held personally liable if something goes wrong during a shoot and a member of the public gets injured.
For instance, if a visitor to your home studio trips over your cabling or gets hit by a falling backlight they could sue you for compensation if they suffer any injuries.
Similarly, if your equipment damages someone else’s belongings you could face a liability claim, and would have to cover the resulting legal expenses and compensation pay-outs yourself unless you had videographer insurance in place at the time of the accident.
Being a videographer obviously isn’t the riskiest of professions (builders, property developers, tree surgeons are probably much more exposed to the risk of liability claims, for instance, because of the nature of their business, and even someone who runs a bouncy castle business probably faces a higher risk of a claim than a videographer) but there’s always the risk that someone might be injured during a shoot, which is why it might be a wise idea to find cheap public liability insurance for videographers.
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What is videographer insurance?
Videographer insurance is designed to protect videography professionals from the risk of liability claims by members of the public, which means it’s basically a type of public liability insurance that is tailored to the needs of videographers.
Videography may not seem like a particularly risky profession, but if you ever have customers, clients or even suppliers visit your studio, editing suite or office there is always the risk that someone might suffer some type of accident and blame you for their injuries or damage to their belongings.
Similarly, if you take your equipment to shoots at other locations, whether that’s a client’s office, a music venue, a commercial property or an outdoor filming location, there is a risk that someone could be injured by your equipment and bring a compensation claim against you.
Videographer insurance can cover the cost of legal fees and compensation claims that might arise in any of these scenarios, and you can usually bundle a range of optional extras with your public liability cover to give you even more protection.
What optional extras can I bundle with my public liability for videographers?
The public liability insurance component of your videography insurance policy is the key part, but it is possible to bundle other optional extras with your policy in order to make sure you have all the protection you need.
Some of the add-ons you can bundle with your liability cover include:
- Professional indemnity insurance: This add-on can cover you if a client or customer claims that advice or guidance you have given them was inaccurate or misleading, and that that poor advice has resulted in some sort of loss for them.
- Product liability insurance: This type of add-on can protect videographers who sell products, and could cover the cost of legal fees and compensation if one of those products caused harm to a third party. For instance, many wedding videographers enable brides and grooms to download their wedding videos from the videographer’s website, but if one of those videos contained a virus that corrupted the customer’s computer they could file a claim for compensation.
- Employers’ liability insurance: Many videographers are self-employed, while others operate small businesses, but either way it is possible they might have employees. Whether you employ lighting assistants, video editors or sound engineers, if you have staff then employers’ liability insurance isn’t just a nice-to-have – it’s a legal requirement in the UK.
What type of policyholders might benefit from taking out videographer insurance?
Videographer insurance is a type of public liability insurance, and as such it is intended to protect anyone working as a videographer who might face some type of public liability claim during the course of their work.
Some examples of professionals who might benefit from this type of insurance include:
- Wedding videographers
- Event videographers
- Advertising videographers
- Corporate video specialists
- Music video specialists
- Real estate videographers
- Documentary filmmakers
- Aerial drone operators
Even if you never have customers or clients visit your studio or editing suite it’s still possible someone might be injured while you’re filming on location, in which case videographer insurance still might be worth considering.
Of course, if you don’t have visitors to your own studio or office, and you also don’t film at other venues (because you specialise in post-production video editing, for instance) this type of policy might not be worth the money, since your risk of a public liability claim would be very low in that case.
Is videography insurance mandatory in the UK?
No, insurance for videographers is entirely optional in the UK. In fact, public liability insurance usually isn’t a legal requirement no matter what kind of work you do.
However, while it isn’t mandatory it’s certainly worth considering, because even a cheap videographer insurance policy could help to protect your livelihood (and your bank balance) in the event of a liability claim.