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As a freelance videographer, you are responsible for creating videos, editing them and delivering a finished product to various clients who hire you for such services. Some of these clients will require proof of insurance to ensure that their interests are protected in the event of a covered loss. Despite the efforts of even the most thorough professional freelance videographer, situations arise where having the proper insurance coverage can make or break your small business.
Your camera equipment is the lifeblood of your business that can get stolen or damaged. A Business Owners Policy provides property coverage that will repair or replace these items immediately. Unhappy with the finished video you provide, some clients will demand compensation for supposed damages suffered. Regardless if you were negligent you must be prepared to defend your interest. Professional Liability insurance provides immediate defense to respond to any legal action taken against your business.