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Videographers Insurance

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Videographer insurance

Videographer commercial insurance NZ

Videographer insurance provides protection to videographers against potential risks associated with their profession. Such risks might include damage to expensive equipment, legal liabilities, or issues arising from copyright infringement. Essentially, videographer insurance can cover various unforeseen events that could result in financial losses for a professional videographer.

Why is videographer insurance important? 

Videography, just like any profession, has its unique challenges and risks. From mishaps with pricey gear to potential lawsuits, these unexpected events can lead to significant financial burdens. Videographer insurance acts as a safety net, providing financial protection and peace of mind, ensuring that such events don’t spell the end for a videographer’s business or reputation.

In New Zealand, the average cost of videographer insurance typically ranges between $75 – $150 per month. 

It’s crucial to have videographers coverage if your business:

  • Uses expensive equipment
  • Films in various locations
  • Interacts with multiple clients
  • Employs other videographers

What insurance covers are typically included in videographers insurance? 

Public Liability

This policy covers common videographers business risks including bodily injuries, customer property damage, and advertising injuries. Public liability is required for most commercial videography projects. 

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps videographers cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Videography Equipment Insurance

Videography Equipment insurance is a type of coverage that helps protect videography businesses from the loss or damage to their equipment.

Best For
  • Mishaps 
  • Theft
  • Fires

Professional Indemnity

This coverage protects videography businesses from financial losses if they make mistakes or are accused of negligence while doing their job. 

Best For
  • Negligence claims 
  • Errors & Omissions 
  • Professional mistakes 

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Cyber Insurance

Insurance that helps protect videography businesses from financial losses caused by cyber-related incidents, like data breaches and computer attacks.

Best For
  • Ransomware attacks
  • Phishing scams 
  • Cyber extortion 

How much does videographers insurance cost?

Videographers insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Videographers insurance in NZ typically costs between $75 to $150 per month

Who needs videography insurance?

While it might seem like only full-time professionals need videographer insurance, the truth is anyone in the field can benefit. This includes:

  • Freelance videographers
  • Small video production companies
  • Large film studios
  • Videography students
  • Anyone involved in the creation, editing, or distribution of video content.

No, videographer insurance isn’t mandatory by law in New Zealand. However, many clients and venues require videographers to have insurance before starting a project. Plus, considering the potential risks, it’s wise to have protection.

Yes, most videographer insurance policies cover the theft or loss of equipment, up to the policy limit. However, always read the terms and ensure you understand the specifics, like any required deductible.

How do I get a videographers insurance quote? 

We understand the unique needs of videographers in New Zealand. Leveraging our extensive industry knowledge and partnerships, we provide comprehensive videography insurance quotes from the top insurers in the country and globally. Entrust us with your requirements, and we’ll ensure you receive the most competitive and tailored coverage options available.

To obtain a videographers insurance quote we may require you to provide some fundamental details about your business, such as:

  • The name of your business
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

How do I get proof of videographers insurance?

You can usually get proof of videographers insurance same day when you purchase insurance through Gerrards.

Acquiring a videographers insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or project.

To obtain insurance coverage promptly, contact one of our photo and video insurance brokers. 

What does videographers insurance not cover?

Wear and Tear

Insurance policies are not meant to replace items that naturally degrade over time. Just like how you wouldn’t claim insurance on an old pair of shoes showing wear, you wouldn’t claim insurance on video equipment that’s showing its age.

Undeclared Equipment

It’s vital to declare all of your equipment when setting up your policy. If something hasn’t been listed or declared, it’s likely not covered. It’s like telling your car insurance about one car but expecting coverage on another you didn’t mention.

Work Outside Covered Areas

Insurance policies often have geographical boundaries. If an incident occurs in a location not declared or included in your policy, it’s possible that the incident won’t be covered. If you’re filming overseas or in remote locations, always check with your broker first.

Other common questions about videographers insurance

Absolutely! As your business grows and evolves, your equipment list will too. Contact your broker whenever you need to make adjustments or additions to ensure everything is covered.

Drone coverage is increasingly common, but you may need to specify this when purchasing your policy. Some policies have special clauses or additional sections dedicated to drone videography.

Older equipment is often assessed based on its current market value or a depreciated value. Some insurers do offer full replacement value for the lifetime of the insurance. This is important to understand, as it will influence the payout amount if a claim is made. 

General liability coverage in videographer insurance can often cater to damages to rented spaces during a shoot. However, always be clear about the extent of this coverage and any associated limits with your insurance provider.

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