What insurance does a videographer need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to videographers — what each one covers, whether it's required, and what you should expect to pay in 2026.
Equipment InsuranceRequired
$25–$60/mo
Covers cameras, lenses, drones, audio gear, and editing workstations against theft and damage.
General LiabilityRequired
$20–$50/mo
Covers injuries on set and property damage during filming. Required by most venues.
Professional Liability (E&O)
$20–$45/mo
Covers claims of lost footage, technical errors, and unsatisfactory final product.
Drone Insurance
$20–$50/mo
Required by the FAA for commercial drone operations. Covers third-party drone-related injuries and damage.
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Top risks for videographers
- Camera or equipment theft
- Client footage lost or corrupted
- Injury during filming
- Copyright claim in footage
- Drone accident
How much does insurance cost?
Most videographers pay $60–$150/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
Do I need drone insurance for commercial videography?
Yes. FAA Part 107 commercial drone operations require liability insurance. Many clients and venues also require proof of drone coverage before you can fly.
What if I lose a client's wedding footage?
Lost or corrupted footage is a serious professional liability claim. E&O insurance covers the financial dispute, though nothing replaces irreplaceable moments — always back up footage immediately.
Does my venue require a certificate of insurance?
Most professional venues — hotels, studios, event spaces — require a certificate of general liability insurance before allowing filming on their property.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most videographers can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.