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What does event videographer insurance cover?
The main protection is liability for covered bodily injury or damage to someone else’s property. It can pay for defending the insured against a covered allegation and for covered settlements or judgments, within the policy terms and limits.
For example, suppose a wedding guest is hit when the videographer's camera slider on a light stand is bumped over near the dance floor and alleges that the videographer caused the injury. That is the kind of allegation a liability policy may address. The insurer still applies the policy’s exclusions and conditions; the example is not a promise of payment.
For this event, the operating plan should describe these responsibilities:
- Describe filming, sound recording and editing deliverables.
- Identify camera movement, lighting and recording equipment.
- Coordinate subcontractors and storage of video files.
What is a typical insurance budget?
Budget for insurance covering the business’s own work. A short event policy and an annual business policy are different purchases; compare the period of coverage and services insured before comparing prices. Professional services, products and equipment can require protection beyond a basic event policy.
Pricing depends on the contracted service, work locations, equipment and professional liability. Include optional coverage and disclosed fees or taxes in the amount you set aside.
What does it not cover?
If the videographer's footage is lost to a corrupted card and the couple sues over the missed wedding, a standard event liability policy is not automatically the answer. That loss may need a separate coverage option or fall within an exclusion.
The organizer’s policy and a vendor’s business policy protect different insureds. A caterer, DJ, installer or exhibitor can need its own liability insurance for its work. Adding a venue as an additional insured does not automatically insure every supplier working there.
What does a real-world event videographer policy look like?
This hypothetical policy outline names the videographer (the creative or media-service business in the application) as the insured. Its activity schedule would describe the following responsibilities; the final policy would need to match the arrangements actually made.
- Describe filming, sound recording and editing deliverables.
- Identify camera movement, lighting and recording equipment.
- Coordinate subcontractors and storage of video files.
- Named insured: the person or organization responsible for the event or contracted work.
- Example limits: $1 million per occurrence and $2 million aggregate. These are different limits, not $2 million for every claim.
- Dates and location: the actual venue, with setup and removal included where agreed.
- Deductible and optional coverages: as shown in the quote and endorsements.
Suppose the videographer decides to add a live-edit deliverable and subcontracted camera operator. Ask the insurer to approve the change before the activity starts. It may need different coverage.
Frequently asked questions
Does the venue’s insurance protect me? Usually you need your own policy for your responsibilities. The venue’s insurance protects its insured interests and does not automatically make the event host, organizer or vendor an insured.
What event details should I include? The information should make the activity clear: filming, sound recording and editing deliverables, arrangements to coordinate subcontractors and storage of video files, dates, daily attendance, alcohol arrangements and the venue’s insurance requirements.
Request a quote with your event details. Submitting the form does not bind insurance.