Simply put, Videographer insurance is a type of business insurance that can provide coverage to protect you from the many risks of being a small business owner. Although we know you're taking as many steps as possible to protect your business, there will always be the risk of something going wrong. Videography insurance gives you the peace of mind that even if a worst-case scenario arises, your business will come out the other end fully intact and ready to grow.

Let's say that a memory card with sensitive footage of a client gets stolen, or you're wrongly accused of copyright infringement. Maybe your $2,500 camera gets stolen or damaged in the middle of a shoot, or someone trips over a cord you had lying around and tries to sue you for personal injury. Without basic coverage, any one of these could completely destroy your business if things go south. Videography insurance is a business insurance coverage that's catered to your specific needs.

Every videographer in Ontario who offers professional services is recommended to get videographer insurance to protect their business. Whether you are a freelance videographer, wedding videographer, drone videographer, commercial videographer, or travel videographer, you should have your business covered by videography insurance.

However, it is essential to note that this list is far from exhaustive.

There are plenty of risks that come with being a professional videographer. In addition to all of the potential accidents that could damage your equipment and all the ways your equipment could injure someone else despite you taking every reasonable measure, there's the potential for theft and technical issues that could cost you thousands of dollars. You're also constantly at risk of being sued for things like property damage. This could end up killing a small business and would still do notable damage to one large enough to survive. Having videographer insurance will significantly lower the risk involved.

As explained above, there are many situations where a videography insurance policy will give you financial protection. Suppose you ever face a legal expense or have to replace a piece of equipment that was destroyed, damaged or stolen, or you experience a cyber liability issue. In that case, videographer insurance will cover you and ensure you can keep your business running optimally.

A technical error can cause total footage loss; a confidential shot can make it into the final product. Negligence claims can destroy your small business, so it's best to take every possible measure.

All vehicle use for business is commercial. Personal auto won't cover. If you are using your personal vehicle for anything related to your videography business, it is critical that you let your broker know.

Not all homeowners insurance policies will cover home-based businesses, as they are not commercial property. Additional coverage is required for a home studio or home-based shoots.

Drones are certainly one of the most exciting aspects of videography. The impressive shots you can get from places that are high up, far away, or otherwise hard to reach gives them plenty of uses. When you add that they can capture high-quality moving shots, their value is easy to see. However, drones will impact your insurance policy, as they are not covered by default, and not insuring them is a considerable risk. Adding drones to your insurance plans can help protect against many things that could go wrong, such as claims of a third-party bodily injury or property damage, any possible damage to the drone itself, and theft.