Videographers face a mix of creative, technical, and on-location risks. Common coverages include:
- General Liability – protects against third-party injury or property damage claims during a shoot.
- Professional Liability (Errors & Omissions) – covers claims that your work caused a client financial loss due to errors, missed deadlines, or incomplete deliverables.
- Equipment Coverage (Inland Marine) – protects cameras, lighting, drones, and other gear from theft, loss, or damage—on location or in transit.
- Cyber Liability – covers expenses if client footage or files are compromised in a data breach.
- Workers’ Compensation – required in most states if you hire crew members.
