What coverages are available through video production policies?
Most video production policies give protection against multiple property and liability risks. Policies accomplish this by offering multiple distinct coverages, often including ones such as:
- General Liability Coverage, which may protect against common accidents occurring at a studio or filming location
- Professional Liability Coverage, which may protect against defamation, libel, copyright infringement, and privacy invasion lawsuits
- Equipment Protection Coverage, which may protect against damage to or loss of video recording equipment, computers and other electronics
- Commercial Auto Coverage, which may protect against accidents occurring while driving to/from filming locations
- Workers Compensation Coverage, which may protect employees against on-the-job injuries that result in being unable to work
Policies might also offer business income coverage, commercial umbrella coverage and others.
Do videographers need commercial auto insurance?
Videographers often drive their vehicles for work-related purposes, as they go to/from filming locations. Vehicles might not be insured by a personal auto policy when they’re driven for work, but videographers have a few potential options for obtaining commercial coverage.
First, some personal auto insurance policies do have optional coverage for basic work-related driving. This option isn’t standard and isn’t included in all personal policies, but it frequently meets the needs of videographers if the option is available.
Second, hired and non-owned auto insurance normally provides liability coverage for vehicles that a business itself doesn’t own. This may provide coverage for employee vehicles as they’re driven to/from filming locations, and it also might cover vehicles that are rented for specific shoots.
Third, traditional commercial auto insurance is generally available for business-owned vehicles that are commercially registered.
An insurance agent who knows video production policies well can help videographers find any auto insurance they need.
Do videographers need workers' compensation coverage?
Massachusetts state law requires most businesses that have employees to carry workers' compensation, which broadly protects against many workplace injuries. Videographers who have employees are likely required by law to carry the coverage. Solo videographers who own their business might want to purchase the coverage.
How can videographers get film & video production insurance?
For help finding film and video production insurance in Massachusetts, contact the independent insurance agents at Scotti Insurance Agency. Our agents have assisted many professionals in the media arts, and we have the expertise necessary to ensure you find coverages that are right for your work.