Videographer Business Insurance

Contributor, Benzinga

Did you know most of our readers choose The Hartford for their professional and business insurance needs?

As a videographer, you capture important memories and events. You’re often out and about, getting in the middle of things to capture the best shot. No matter how careful you are, accidents can happen and issues can arise. Learn more about videographer business insurance. 

Best Videographer Business Insurance

To find the best videographer business insurance, contact multiple providers for quotes. You can do that easily on Benzinga’s website by just entering your ZIP code. Here are Benzinga’s top picks for business insurance. 

Next Business Insurance Next Business Insurance
get started securely through Next Business Insurance’s website
Same Day Coverage?
N/A
Online Application?
Yes
1 Minute Review

NEXT is a business insurance provider dedicated to helping small business owners find affordable, customized policies that fit the unique risks of their industry. NEXT offers a complete suite of the most common business insurance protections that you might need, and you can apply for a policy entirely online.

Getting insurance through NEXT takes less than 10 minutes — simply choose your business type, answer a few questions about your experience and history and purchase coverage. You can adjust your policies and coverage limits to balance cost and protections with just a few clicks. 

Though NEXT’s 100% online model might not be right for everyone, it can be a strong contender for digital natives in search of affordable insurance. 

Best For
  • Small business owners looking for quick, affordable coverage available online
Pros
  • Apply for a policy in as little as 10 minutes
  • Policies customized to industry type and need
  • Discounts available on bundled policies
Cons
  • No option for paper policy application
  • May need to connect with a representative if your occupation isn’t listed
coverwallet coverwallet
get started securely through coverwallet’s website
Same Day Coverage?
No
Online Application?
Yes
1 Minute Review

Shopping for business insurance can be a tedious process. It takes time to collect and review quotes and coverage unless you visit CoverWallet. CoverWallet, an Aon company, makes it easy to get quotes from multiple insurance providers.

With CoverWallet, you can start by talking with an insurance advisor or start directly with quotes. You can get quotes from multiple reputable insurers, including Hiscox, Chubb and Progressive. Choose from a wide range of coverage options to protect every area of your business, including workers’ compensation, general liability and commercial property insurance.

Once you decide on your insurance coverage, you can manage your policies through MyCoverWallet. This online dashboard allows you to send copies of your insurance certificates when needed, file claims and pay premiums. It keeps your policies organized and allows you to reach out to an expert at any time.

CoverWallet also offers extensive educational resources. You can review its recommended coverage by industry. You can also dig into more specific information based on your industry, location, number of employees and annual revenue.

The one drawback to the CoverWallet is that it doesn’t have a mobile app. You can still access the site through your mobile browser and you can call any time for assistance. Overall, CoverWallet makes it easy to shop for and buy business insurance, and it’s an excellent fit for small businesses and the self-employed.

Best For
  • Self-employed
  • Start ups
  • Small to medium businesses
Pros
  • Can get multiple quotes easily
  • Can learn about recommended insurance for your industry
  • Offers many types of insurance
Cons
  • No mobile app
B2Z B2Z
Get Started securely through B2Z’s website
Disclosure: B2Z is available in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, lowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, North Carolina, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin.
Same Day Coverage?
N/A
Online Application?
Yes
1 Minute Review

Tired of buying insurance for your small business the old-fashioned way? Forget about waiting around for that insurance agent to call you back. Now, B2Z has launched a full suite of insurance policies, including cyber insurance, workers’ compensation, professional liability and business owner’s policies (BOP). The B2Z platform uses AI to create personalized coverage just for you—all in as little as 5 minutes.

B2Z offers small business insurance in a language everyone understands. Easy applications, mobile claims and digital quotes are just a few of the ways B2Z makes buying insurance for your business fast and easy. Affordable, too.

Best For
  • One-Stop-Shop Coverage
  • Shopping Online
  • Hassle-Free Cancelation for Old Policy
Pros
  • User-friendly online portal
  • Multiple products
  • Digitally-based
  • AI-driven
  • Data sourcing
Cons
  • No phone call needed
  • No brick and mortar
  • Too fast-paced for some
The Hartford The Hartford
get started Call Now securely through The Hartford’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

The Hartford is a leader in casualty and property insurance. It brings more than 200 years of experience in developing and providing insurance products. The company uses a quote-based pricing scheme to offer insurance in 2 main segments: commercial and personal lines. 

Its commercial segment serves over 1 million small businesses. The personal segment offers only nationally-endorsed home and auto insurance through the AARP® Insurance Program. The Hartford sells its products mainly through a network of independent brokers and agents. 

The company is also a 12-time honoree for the world’s most ethical companies according to The Ethisphere Institute. It delivers the name recognition and reputation of an experienced insurance carrier.

Best For
  • Those looking for an experienced insurance provider
  • Multiple coverage options with 1 carrier
Pros
  • More than 200 years of insurance experience
  • Provides online quotes
  • Has a solid financial rating
  • Offers a wide range of commercial insurance products
Cons
  • Pricing is entirely quote-based
Simply Business Simply Business
Get started securely through Simply Business’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

When you’re a small business owner, you have a lot on your plate. Finding the best insurance policies for your business probably isn’t on the top of your list. Simply Business makes it easy to get the coverage you need. It’s a digital small business insurance agency, which means it offers coverage from multiple insurance carriers. 

With Simply Business you can compare quotes and coverage options from multiple companies to determine what’s best for you. Simply Business works with top providers like Hiscox, Travelers and Axis Insurance Company. 

You can get policy options online in less than 10 minutes, and if you need more guidance or have questions, its licensed agents are just a phone call away. 

Simply Business is a great fit for small businesses and sole proprietors. You can look at its recommended insurance options based on the type of work you do, whether it’s landscaping, accounting or photography. 

While Simply Business doesn’t handle your claim directly (the provider you decide to purchase from does), it’s there to help you if you run into any issues. It can get you new copies of your policy documents and help you get in touch with your provider if you need assistance. 

If reviewing or buying business insurance has been on your to-do list, Simply Business is an excellent place to start. You can get a quote while you take a coffee break. 

Best For
  • Small business owners
  • Sole proprietors
Pros
  • Quick quote process
  • Licensed agents to assist you
  • Can choose from top insurance providers
Cons
  • No mobile app
Thimble Business Insurance Thimble Business Insurance
get started securely through Thimble Business Insurance’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

It’s not often that you see something new in the insurance space but Thimble has come up with something unique — flexible small business insurance. You can buy liability insurance policies by the month, the day or even by the hour. Even better, you can apply in under 60 seconds. In this Thimble review, we’ll dive into how it works and how it can benefit your business. 

Best For
  • Handymen, landscapers and contractors
  • Self-employed individuals
  • Seasonal business owners
  • Freelancers who do multiple types of work
Pros
  • Flexible general liability and professional liability policy options
  • Fast application process
  • Ability to pause monthly coverage
  • High-quality mobile apps
Cons
  • No 24/7 Customer Support

How Videographer Business Insurance Works

Videographer business insurance policy isn’t a standalone policy. Instead, videographer insurance is a combination of policies designed to meet the needs of their business. The most common policies for videographers include general liability, professional liability, workers’ compensation and commercial auto insurance. A business owners policy may also be worth considering, as it bundles general liability insurance with other important types of coverage, often at a lower cost. 

Types of Videographer Business Insurance

Here are the types of business insurance a videographer should consider:

General Liability Insurance

General liability insurance protects your business if there’s a personal injury or property damage caused by you or your employees. For example, someone could trip over a cable and hurt themselves, or you or an employee could hit an expensive light fixture with a boom mic. 

This insurance covers medical payments for an injured person up to your policy limits. It also helps to cover legal defense fees and any settlements or awards related to a lawsuit. 

General liability insurance also covers personal and advertising injury. This includes lawsuits related to libel, slander, copyright infringement and false advertising. 

Commercial Property Insurance

Commercial property insurance protects where you do business. In addition to protecting the structure, it also helps cover your equipment and other contents, including any personal property. Even if your videographer business is home-based, you still need commercial property insurance. Your homeowners insurance may not cover claims related to your business. If you’re uncertain of what your homeowners insurance will and won’t cover when it comes to your business, talk to your insurance provider. 

Commercial property insurance will typically cover losses due to fire, smoke, lightning, windstorms, vandalism, civil unrest, and some types of water damage. 

Business Interruption Insurance

A disaster impacts more than just your physical property. If your equipment is damaged or destroyed, you may not be able to conduct business until it’s replaced and your property is repaired. That leads to a loss of income. 

Business interruption insurance replaces a portion of your income while you’re unable to run your business. It can also pay lease, rent or mortgage payments, loan payments, taxes and employee payroll. Most policies have a 2-3 day waiting period and benefits last for 30 days. You can opt for a policy with a longer benefit period, though. 

Business Owners Policy

A business owners policy (BOP) could be a good choice for videographers because it bundles 3 essential types of insurance: general liability, commercial property and business interruption insurance. It’s often cheaper to purchase a BOP than it is to purchase the policies separately. You may also be able to add on coverage, depending on the insurance company you’re working with. 

To decide whether a BOP is right for you, look at the coverage you need and the costs of buying coverage separately versus together. Consider the costs and the overall coverage and choose what will protect your business the best. 

Commercial Auto Insurance

If you’re driving a vehicle for work, including to and from video shoots or client meetings, you may need commercial auto insurance. It’s similar to personal auto insurance, but it tends to have higher policy limits. An insurance agent can help you determine whether you need commercial auto insurance based on your driving habits and how much you use a vehicle for business. If you have any vehicles only being used for business, then you definitely need commercial auto insurance. 

Like personal auto insurance, you can tailor your coverage to your needs. At a minimum, you’ll need liability coverage, which covers injuries and property damage to others if you or an employee are found to be at fault in an accident. Some states also require uninsured/underinsured motorist coverage and medical payment coverage (also known as personal injury protection). Medical payment coverage covers the injuries of anyone in your vehicle if you’re involved in an accident. 

Liability insurance only covers damage to the other vehicle if you’re involved in an at-fault collision. For repairs to your vehicle, you’ll need collision coverage. Collision coverage also covers repairs if you hit an object or your vehicle overturns. Comprehensive coverage is also worth considering. It covers damage that’s not caused by an accident. It typically covers losses due to floods, fires, theft, earthquakes, falling objects and more. 

Professional Liability Insurance

As a videographer, your clients are counting on you to capture important moments. If something goes wrong, even if it’s no fault of your own, things could get litigious. Professional liability insurance covers claims related to your professional services. It typically covers the cost of a legal defense along with any settlements or awards by the court. 

Commercial Umbrella Insurance

While business policies tend to have high limits, it’s possible for a claim to exceed those limits. If it does, you’re responsible for the difference. That’s why a commercial umbrella policy is worth considering. An umbrella policy picks up when an underlying policy is exhausted. Say you have a general liability policy with a $500,000 limit and $750,000 in damages are awarded by a court, the umbrella policy would pay the difference up to its policy limits.

Umbrella policies may also add coverage, like reimbursing you for deductibles. This varies by policy. You may have to meet certain policy minimums before you can purchase an umbrella policy. For example, you might need to have at least $500,000 in general liability coverage. 

Cybersecurity Insurance

Small businesses are an increasingly popular target for cybercriminals. They have personal data for clients and they may not have the defenses in place that larger enterprises have. Cybersecurity insurance can help. It covers losses related to malware and ransomware, and it often covers identity theft protections for any clients with compromised information. It may also help defend you if a lawsuit results from a security breach. 

Workers’ Compensation Insurance

If you have employees, you most likely need workers’ compensation insurance. It’s required in most states and it helps protect both you and your employees. If employees are injured on the job or develop an illness related to work, workers’ comp covers their medical costs. It also helps make up their lost wages if they need to take time off to recover. Workers’ compensation also protects employers from most lawsuits related to worker illnesses and injuries. 

Employment Practices Liability Insurance

This coverage helps cover your legal defense and any awards or settlements related to employee lawsuits. This includes suits field for discrimination, breach of contract, failure to promote and wrongful termination. This coverage is sometimes available as an add-on to a BOP.

Cost of Videographer Business Insurance

The exact cost of videographer business insurance will vary depending on:

  • Your business location
  • The size of your business
  • The number of employees
  • The size of your payroll

Here are the average costs of videographer business insurance:

PolicyAnnual PremiumCoverage Limit
General Liability Insurance$350$2 million
Commercial Property Insurance$755$60,000
Business Interruption Insurance$500-$1,500Based on business income
Business Owners Policy$350-$2,500$1 million per occurrence/$2 million per policy term
Workers’ Compensation$560n/a
Commercial Auto Insurance$1,700$1 million
Commercial Umbrella$500-$1,500$1 million
Cybersecurity$1,500$1 million
Employment Practices Liability Insurance$800-$2,000 $500,000 per occurrence/$1 million per policy term

Is Videographer Business Insurance Right for You?

You’ve worked hard to build your business. It’s important to protect what you’ve built with the right insurance. Which policies are right for you depend on the size of your business, how you work, the equipment you have and more. Talk to providers to find out what coverage they recommend. Getting quotes from multiple providers can also help you find coverage at a competitive rate. You can do that easily on Benzinga’s website by entering your ZIP code.