Why do video production studios need business insurance?
If a camera battery dies in the middle of a shoot, or a crew member trips on the set, it could cause a legal and financial headache. Video and film production insurance can cover unexpected costs from lawsuits and injuries.
Save money on insurance
Videographers and filmmakers can save money on liability and equipment insurance by comparing quotes from top carriers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do video production studios need?
Protect against common risks with these video production insurance policies.
General liability insurance
Commercial general liability insurance covers basic risks, such as a client injury on the set. Bundle with property insurance in a business owner’s policy (BOP) to save.
- Slip-and-fall accidents
- Damaged customer property
- Defamation lawsuits
Business owner’s policy
A BOP is a cost-effective insurance policy for video production studios that bundles equipment coverage and general liability coverage at a discount.
- Third-party bodily injury
- Third-party property damage
- Theft or physical damage to video equipment
Professional liability insurance
This policy covers legal costs if a client sues your video production studio over a mistake or oversight. It's sometimes called errors and omissions insurance (E&O).
- Missed project deadlines
- Accusations of negligence
- Lost video footage
Workers’ compensation insurance
Most states require workers' comp for video production studios that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Missed wages
- Legal costs
Commercial auto insurance
This policy covers the cost of accidents involving a vehicle owned by a production studio. Most states require this coverage for business-owned vehicles.
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Equipment insurance
This policy protects videography equipment that travels outside of your production studio. It covers property losses due to theft, fires, storms, and vandalism.
- Video equipment at a filming location
- Cameras and other equipment in transit
- Business property stored off-site
How much does insurance cost for video and film production companies?
A small production studio with a few employees will cost less to insure than a larger studio.
Factors that affect video production insurance costs include:
- Your specialty, such as feature films or music videos
- Value of your videography equipment and property
- Business size and revenue
- Types of insurance purchased, such as inland marine for mobile equipment
- Policy limits and deductibles
State insurance requirements
See your state's requirements for photo/video businesses
How do I get video production insurance?
It’s easy to get insurance coverage for your video production studio if you have your business information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your video production studio, whether you work independently or hire employees.
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