Videographer Insurance

Tailored insurance that meets the needs of videographers - including Public Liability, Equipment Insurance and more.

Videographer Insurance

Tailored insurance that meets the needs of videographers - including Public Liability, Equipment Insurance and more.

Flexible insurance for professional videographers and filmmakers

From unpredictable shooting environments to post-production edits, potential risks are always lurking. Videographers Insurance provides cover so that these unforeseen challenges don't compromise your project or your livelihood.

Find out more about the different types of cover available for videographers:

Public Liability Insurance

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What it covers

Protects against claims made by third parties for injuries or property damage during your videography activities.

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Why videographers might need it

Filming can often take you to diverse settings. If someone trips over your equipment or a venue's property is damaged during a shoot, Public Liability insurance can mean you're not left bearing the financial burden.

Professional Indemnity Insurance

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What it covers

Offers protection against claims of negligence, errors or omissions and contract disputes in the videography services you provide.

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Why videographers might need it

Clients trust you to bring their vision to life. If there's a claim of dissatisfaction or a perceived error in your delivered work, professional indemnity insurance can protect your reputation and your finances.

Employers' Liability Insurance

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What it covers

Protection against claims from employees related to injuries or illnesses sustained while working for you.

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Why videographers might need it

If you employ someone, such as an assistant or a crew member, then Employers’ Liability insurance is a legal requirement to make sure you have sufficient cover in the case of injury or illness to your staff members.

Equipment Insurance

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What it covers

Protection for your videography gear – cameras, tripods, stabilisers, lighting rigs etc. – against theft, damage or loss.

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Why videographers might need it

Your equipment is both valuable and essential. Whether it's a damaged drone or a stolen camera, make sure you're covered so you can quickly get back to filming.

Why Choose Mode Insurance?

Videography is more than just capturing footage, it's about creating a narrative through visuals.

At Mode Insurance, we understand the intricacies and challenges of videography and our tailored policies mean that every aspect of your work, from on-location shoots to post-production edits, can be covered.

With Mode Insurance, you're not just getting an insurance policy - you're gaining a partner who understands the world of videography.

Insurance to suit you

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Up to £50k equipment cover

Insure the tools of your trade, as well as hired-in equipment.

Project-by-project Public Liability insurance

Get PLI for £84 a year or choose a shorter term to suit you.

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Be covered for contract disputes

Protect your reputation with Professional Indemnity insurance.

What Types Of Videography Business Can Be Covered?

We cover most professional videographers, including wedding videographers, corporate videographers, event videographers and more.

However, you may need specialist insurance if you do:

  • Aerial photography, including drones
  • Underwater photography and videography
  • Filming in hazardous locations
  • Working above certain heights and below certain depths
  • Filming at speed

We always advise checking your policy documents for all exclusions and limitations.

How Much Does Videographer’s Insurance Cost?

The price you pay for insurance can depend on a lot of different factors. We have outlined some example prices below, but to get a more accurate estimate you can get your free quote here.

The cost of your insurance can be influenced by the nature of your work, as different professions and trades come with varying risk levels. Generally, the riskier your occupation, the more comprehensive the insurance coverage you'll need.

The location of your work also plays a role in determining your premium. If your business is situated in a busy area or involves frequent interactions with the public, there's a greater chance of accidents, which can increase your insurance cost.

The number of employees you have can also impact your premium. More staff can mean a higher likelihood of claims related to negligence or accidental injuries.

Finally, your business turnover can affect the cost of your policy. A higher turnover often indicates dealing with more clients and/or larger contracts – which can mean a higher level of risk.

At Mode Insurance we do things slightly differently. Subject to acceptable criteria, we can offer a simple pricing structure, so as long as you have a turnover of below £300,000 plus acceptable business activities, we can offer Public Liability insurance with the option to choose your own cover limit of £1m, £2m, £3m or £5m.

What Insurance Do Videographers Need?

Freelance and self-employed videographers should consider the following types of insurance:

Public Liability Insurance

This can offer protection if a member of the public or other third party makes a claim against you if they are injured or their property is damaged as a result of your business activities.

Equipment Insurance

As you will likely have specialist equipment that is vital to your work, e.g. your video camera, tripod, laptop and other accessories, getting some form of equipment cover can offer peace of mind that you are protected should the worst happen.

We offer up to £50k worth of cover to protect your important videography equipment.

Professional Indemnity Insurance

This can help defend against claims of negligence, breach of confidentiality, dishonesty, libel and slander.

We can provide cover up to either £100,000 or £250,000.

Employers Liability Insurance

If you employ anyone then you are legally required to have at least £5m of Employers’ Liability cover in place but most insurers will provide £10m as standard.

This can protect against claims from employees related to injuries or illnesses sustained while working for you.

Choose your cover and start your quote now

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Public Liability insurance from £84 a year for £1m cover

Or choose your own cover limit of £2m, £3m or £5m.

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Up to £50k all-risk technical and portable equipment cover

Covered in the UK & EU as standard or increase cover to worldwide.

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Professional Indemnity - be covered for contract disputes

Protect your reputation with Professional Indemnity insurance with either a £100,000 or £250,000 limit.

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Up to £50k cover for equipment that doesn’t leave your property

Protect the contents of your business and other technical equipment that doesn’t leave your property.

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Employers’ Liability cover for up to 3 PAYE employees

Our Employers’ Liability cover provides £10,000,000 of cover.

Videographer Insurance FAQs

Below we have listed the most common questions we get from our customers about insurance for videographers.

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Do video editors need insurance?

Although video editors may not be out and about filming, it can still be a good idea to consider Public Liability insurance if you regularly meet clients – either in your office your studio, or in their place of work.

Equipment insurance can also provide peace of mind, as can Professional Indemnity insurance in the event of any contract disputes or allegations of negligence.

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Why should I get a quote from Mode Insurance?

Our coverage is flexible and can be adjusted to suit periods of intense project work or times when you're between projects. Additionally, our policies are specifically designed for the creative industry and are suited to a wide range of professions.

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Can I adjust my insurance coverage as my professional needs change?

Absolutely! We understand that the life of a creative freelancer is ever-changing. That’s why our insurance plans are designed to be as flexible as your career. You can choose from short-term options for specific projects or opt for longer-term coverage. Adjustments can be made to suit your current professional situation, whether you're scaling up your operations or downsizing.

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Do I need Public Liability insurance?

Whether you need Public Liability insurance depends on the nature of your business. It's not a legal requirement, but it's particularly important if your business activities involve interaction with clients, customers or members of the public. This could be as simple as working from a coffee shop, all the way to working in a large stadium or event space.

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How much Public Liability insurance cover do I need?

The amount of coverage you need depends on your business type, size and the specific risks involved. Typically, businesses opt for cover ranging from £1 million to £5 million, but it's best to assess your individual business needs.

You may find a minimum coverage amount specified in a contract that you are looking to secure as many other businesses, venues or local authorities will stipulate the amount of Public Liability insurance you need.

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Is Public Liability insurance a legal requirement?

No, Public Liability insurance is not a legal requirement for most businesses in the UK. However, it is often recommended due to the financial protection it offers against claims from the public.

You may also find that Public Liability insurance is required by some clients, suppliers and partners before you work with them.

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What is the difference between Public Liability and Professional Indemnity insurance?

Public Liability insurance covers injury or damage to third parties and their property, while Professional Indemnity insurance protects against claims of professional negligence or poor advice.

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Can I get Public Liability insurance for one day?

Yes, one day Public Liability insurance is becoming increasingly popular and most businesses can obtain cover specifically for one day. This is ideal for short-term events like workshops, pop-up shops or a shoot you are organising.

This is great for budgeting and charging your clients as you know exactly how much the insurance has cost for the specific job.

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What creative freelancers need Equipment Insurance?

If your work requires the use of expensive specialist equipment, such as Photography Equipment, Film Equipment, laptops microphones and more, then Equipment Insurance can help provide peace of mind that you can repair or replace any of your important work tools if they are stolen, lost or accidentally damaged.

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How much Equipment Insurance cover do I need?

This will depend on the value of your equipment and how much it would cost to replace it all if it were stolen, lost or accidentally damaged.

We can provide up to £50k of Equipment Insurance to cover all of your vital work gear.

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What equipment is covered?

The policy covers the equipment you need to keep your business up and running that you take away from the premises.

Some examples of equipment that can be covered are:

  • Communication tools, such as desktops, laptops, mobiles, and tablets
  • Essential work equipment, such as graphic tablets and hairdressing equipment
  • Photography equipment, such as including cameras, lighting, and staging equipment
  • Accessories, such as lenses, lighting rigs, etc.
  • Cameras and ancillary equipment
  • PA, sound and lighting equipment
  • Portable electrical equipment
  • Mechanical effects equipment
  • Grip equipment
  • Props, sets and wardrobes
  • Makeup and prosthetics
  • Editing and recording equipment
  • Video and broadcast equipment

So, whatever creative work you do – your essential tools and kit can be covered and protected against accidental damage, loss or theft.

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Who needs Professional Indemnity insurance?

Creative professionals who provide advice, consultancy work or if they work under a contract with a client should consider Professional Indemnity insurance.

This includes, but is not limited to, graphic designers, photographers and marketing consultants.

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How much does Professional Indemnity insurance cost?

The cost of Professional Indemnity insurance varies based on factors like your profession, the level of risk and the amount of coverage needed.

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How much Professional Indemnity insurance do I need?

The amount of cover required depends on your business size, the clients you work with, the types of contracts you work under and the potential risks involved in your services. It's a good idea to assess the maximum claim you could face and choose a limit that can comfortably cover this.

With Mode Insurance you can choose a Professional Indemnity insurance cover limit of either £100,000 or £250,000, depending on your needs and requirements.

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Do I need Employers’ Liability insurance?

If you employ anyone, even on a casual or part-time basis, the law typically requires you to have Employers' Liability insurance. This means that you have at least the minimum cover if an employed person makes a claim against you.

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What does Employers’ Liability insurance cover?

Employers’ Liability insurance can provide cover for:

  • Compensation if an employee claims for injury or illness caused while working for you.
  • Fees for your legal representation at any coroner’s inquest of fatal accident inquiry and proceedings in any court of summary jurisdiction arising out of any alleged breach of statutory duty.
  • The claimants’ legal costs for which you are legally liable.