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Videographers Insurance

Whether you’re a wedding photographer working for yourself or the owner of a commercial videography business who has an array of highly specialized photo equipment, Tomins is here to help you run your business better.

We take the headaches out of videographer insurance with our convenient 24-hour online portal. You get time back to focus on what’s truly important — running and growing your videography business. And unlike any other online insurance agency serving videographers and the world of photography, Tomins is backed by the expertise and experience of Higginbotham.

Maybe more important to you, we understand the unique needs of the videography business and are ready to design a policy perfectly tailored for you. From basic business owners insurance to any of the more-specialized types of coverage your unique situation needs, Tomins has you covered.

You deserve an insurance partner that works as hard as you do. Tomins — the right insurance choice today.

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Do I Need Videographer Insurance?

No one knows better than you that the life of a videographer is full of unexpected twists and turns. From a wedding guest tripping over your tripod to a burglar stealing your valuable equipment, each day can bring a new set of risks and challenges. The last thing you need is another thing keeping you up at night.

Having the right insurance is one of the most important keys to success in today’s fast-paced business environment. That’s especially true for professional videographers.

Why You Need Custom-tailored Insurance

Videographer insurance from Tomins is designed with your videography business in mind. We strive to offer the best of both worlds for business owners: on-demand policy documents when you need them, and the expertise, local touch, and proven track record of Higginbotham.

Our custom-tailored approach helps protect videography business owners against the distinctive risks that threaten their unique business.

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What Videographers Coverages Do I Need?

Beyond protecting your physical assets, it’s also important to protect your videography business against the possibility of financial loss from lawsuits or settlements. With this in mind, Tomins advises videographers to consider carrying general liability insurance.

Regardless of the unique characteristics of your videography enterprise, every owner should also carry a Business Owners Policy (BOP). It’s designed to protect your business’s buildings, property, and other business assets against unforeseen loss.

A Tomins videographer BOP typically includes these three coverages:

  1. Videographers General Liability Insurance: General liability (GL) insurance is an important coverage for all small businesses to carry, including videographers. General liability insurance can help cover the costs of damages from lawsuits filed due to injuries or property damage sustained as a result of your business operation.
  2. Commercial Property Insurance for Videographers: Commercial property insurance can help pay to replace or repair your videography business’s property, store, and equipment in the aftermath of a covered loss.
  3. Business Income Insurance for Videographers [LINK TBD]: This videographers insurance coverage can protect you from a loss of income resulting from an interruption of your business operations.

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You May Need Additional Videographer Coverage

In almost every case, a videography business owner should seriously consider the insurance coverages mentioned above (commercial property, general liability, and business income [LINK TBD]).

In addition, the unique characteristics of your videography business might make an argument for carrying other coverages as well. Some other videographer insurance coverages to think about include:

  • Employment Practices Liability (EPLI): EPLI can protect your salon against legal damages, court costs, and other expenses related to improper termination or hiring, sexual harassment, and workplace discrimination.
  • Workers’ Compensation Coverage: This is very important to consider if you hire employees. Workers’ comp coverage can protect your salon against legal liability for workplace injuries, along with helping with the cost of wage replacement, medical bills, and other expenses related to an injured employee.
  • Commercial Umbrella: Extra coverage to protect your videography business beyond the general aggregate limits of your standard insurance coverage.
  • Cyber Liability Coverage: If you store sensitive photo or video files, or customer financial information, it may also be important to consider cyber liability insurance. Cyber liability insurance can help cover costs incurred from a cyber attack. For example, the costs of data loss and subsequent restoration, legal settlements, and extortion.

Why You Need a Tailored Videographers Insurance Policy

In addition, Tomins Videographers Insurance offers fully customizable coverage for any individual situation. Our specialized videographers insurance policies can also include:

  • Limited Care, Custody, or Control Property Insurance
  • Important Record and Document Coverage
  • Employee Benefits Liability Coverage

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What Does Videographers Insurance Cost?

The specifics of your unique business operation and the coverages you desire will determine your exact cost for insurance. But if you think about the massive financial losses you could suffer from an uncovered incident, the cost of insurance premiums typically pale in comparison.

While the cost of various videographers insurance coverage can vary considerably, this table outlines some added coverage costs for a typical property or business.

Insurance Type Average Cost
Commercial General Liability $500 to $700
Workers’ Compensation $1 to $2 per $100 in payroll
Commercial Property Insurance $750 to $1,000
Cyber Liability Insurance $1,000 to $7,500
Business Interruption Usually included in BOP
Employment Practices Liability Insurance (EPLI) $1,200
Commercial Umbrella Insurance $400

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What Do I Need to Get a Videographers Insurance Quote?

At Tomins, we are in the business of making videographers insurance easy. Start your free personalized insurance quote now at our online quote page. To make sure we can provide the most accurate and competitive quote possible, it helps to make sure you have the following information available when you apply:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

Take the time to make sure all of this information is up to date and accurate. It’s the best way to ensure that we can provide you with the best quote possible.

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