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Our specialist insurance for videographers provides you with essential cover for both your equipment and your reputation.
Working as a videographer means juggling clients, creative projects, and expensive equipment. But even with careful planning, things don’t always run smoothly - from technical faults and accidental damage to client disputes.
Our videographer insurance offers protection against these challenges, giving you peace of mind that you’re covered if the unexpected disrupts your shoot or your kit.
Cover at a glance:
- Protect your business from legal threats, loss, theft and damage
- Equipment and stock cover optional
- Suitable for freelance and event videographers
What is videographer insurance?
Videographer insurance covers you should the worst happen while you’re on a shoot. In the event of an accident on set, another circumstance which could affect your reputation, or something happening to your equipment when you’re on a job.
At Markel Direct, we provide the cover you need in the event of something unexpected happening. This could be from you mistakenly deleting required footage, to an accident involving your equipment or someone being injured on set as a result of your work. As someone who regularly interacts with members of the public, a small mistake could lead to a costly claim against your business.
Cover starting at
£11 a month*
*Price based on a videographer requiring £1 million of public liability insurance.
Do I need public liability insurance for videographers?
Yes, videographer public liability insurance comes highly recommended. It covers against claims for injury or property damage caused during your work. For example, if a client trips over one of your lighting cables on set and suffers an injury, they could claim against you. In this case, public liability can cover you for legal expenses and compensation.
What insurance do I need as a videographer?
Videographers face a range of potential risks, from equipment damage to client disputes over the quality of your work. Ensuring you have the appropriate level of insurance in place can help to protect your business and professional reputation, if the unexpected does happen and a claim is made against you. Each type of cover can be tailored to you and your needs, whether you work on location, in a studio, or as a freelancer.
Below are examples of how each type of cover could prove invaluable:
- Professional indemnity insurance can protect you if a client takes legal action against you over the quality and/or delivery of your work.
- Public liability insurance ensures you’re covered should a customer or member of the public claim that they were injured or had property damaged as a result of you carrying out your work.
- Employers’ liability insurance only applies if you have employees working for you. If you do, this form of insurance is designed to help protect you should an employee claim against you for illness or injury caused in the line of work.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Videographer equipment insurance
Your camera, lenses, and editing kit are invaluable to your livelihood. They’re also expensive to repair and replace too. Videography equipment insurance could cover you against theft, loss and accidental damage, whether your equipment is kept in a studio, or happens to be on location or in transit.
What does videographer insurance cover?
There are many scenarios videographer insurance covers against for your business, including:
Unexpected mistakes
While you may try your best not to make mistakes, they do happen and in your line of work, an unhappy client can be costly. From accidently deleting someone’s wedding footage to breaching a client's confidentiality.
Accidents and injuries
From a slip, trip or fall to something more serious, when you’re working with the public anything can happen. When it comes to accidents and injuries, if a claim is made against you or your business, it can be costly.
Damage to your equipment
Whether you usually work out of a studio or on location, there’s always a chance something can happen to your equipment. The cost of repairing or replacing equipment can be eye-wateringly high.
We also provide insurance cover for photographers, which you can find out more about here.
Freelance videographer insurance
As a freelancer, you’re responsible for your own business risks. By ensuring you have the appropriate level of freelancer insurance in place, this type of cover could protect you from potential claims made against you. Professional indemnity insurance is designed to protect you if you make a mistake in a piece of work, such as delivering the wrong edit or losing footage. Public liability insurance could protect you if someone is injured or their property is damaged during your shoot.
Choosing to add legal expenses insurance and cyber cover can also help to protect you against contract disputes and data breaches.
How to arrange business insurance for videographers
Covering your videography business with Markel Direct is simple. Get an online quote with us by answering a few quick questions about your business and activities. You can tailor your insurance to your business’ individual requirements, and you'll receive your policy documents instantly (with a proof of insurance document too) to show clients that you are insured.
Videographer insurance cover
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Public liability and professional indemnity insurance
Public liability insurance is designed to safeguard your business from legal claims for injury to members of the public or damage to third party property. We’ll cover the cost of defending a claim against your business, as well as any compensation that may be payable. Limits range from £1 million to £5 million.
Professional indemnity insurance is designed to protect you if you make a mistake in a piece of work for a client, or are accused of making a mistake in a piece of work for a client (even if you have performed your work to the standard expected), and the client suffers a financial loss as a result. Limits range from £1 million to £5 million.
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Employers' liability insurance
If your business has employees, employers' liability insurance is a legal requirement. It covers you if an employee makes a claim for injury or illness as a result of their employment with your business. Limit of £10 million.
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Directors and officers insurance
Directors and officers insurance covers the legal costs should you need to defend yourself against a claim of wrongdoing in your position as the director of your company. Limits range from £100,000 to £5 million.
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Office and equipment insurance
Office insurance protects your office buildings, its contents and your equipment. If your videography business is a full-time job, we can insure your business against loss of income and/or additional trading expenses following events, such as a flood or fire, that cause interruption to your work. If you don't own an office, you can choose to cover your camera equipment under our business equipment section; you'll have the option to insure cameras, laptops, mobile phones and editing software on a worldwide basis.
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Occupational personal accident insurance
If you are unable to work due to a temporary disablement (suffered whilst undertaking work) and would struggle to maintain an income, occupational personal accident cover can help you by providing a weekly payment.
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Legal expenses insurance
Legal expenses insurance pays your legal costs and expenses for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. Limit of £100,000.
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Cyber and data risks insurance
In the event of a cyber-attack, cyber and data risks insurance covers the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber-attack.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does videographer insurance cost?
At Markel Direct, we offer videographer insurance in the UK from £11 a month for £1 million worth of public liability cover*. When it comes to insurance, the cost varies from business to business depending on;
- The size of your business - your turnover and whether you have any employees
- The level of cover you choose
- The types of projects you work on and the equipment you use.
To get a clearer idea of how much you’ll pay, simply get a quote online.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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Do wedding videographers need insurance?
Wedding videographers should consider having insurance in place. It is usually a requirement of the venue that the videographer has public liability insurance, as you will be working with members of the public. You’ll usually need to show proof of this before you’re able to start work - when you arrange cover with Markel, you'll receive your proof of insurance document instantly.
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Does the policy cover the use of drones?
No. We are currently unable to cover the use of drones or other types of aerial vehicle as part of your business' activities.
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What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.
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Why should I choose Markel Direct's Insurance
Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
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How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
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