Videographer insurance

The typical coverage stack

What a videographer operation usually carries. Workers’-comp rules depend on your state — run the checker with your state for the exact answer.

1. General liability

   Commonly required by clients

   The policy clients ask for on a certificate — $1M per occurrence / $2M aggregate is the common commercial-contract minimum.

   $320–$650/yr typical

2. Professional liability / E&O

   Commonly required by clients

   You're paid for advice or a professional service — errors & omissions covers financial-harm claims general liability never will, and client contracts increasingly name a minimum limit.

   $270–$800/yr typical

3. Workers' comp

   Commonly required by clients

   Whether it is legally required depends on your state — most mandate it once you hire. Run the checker with your state for the exact rule.

   Per $100 of payroll — run the checker with your state

4. Cyber liability

   Worth considering

   You take payments or hold customer data — cyber covers breach, notification, and recovery costs GL and BOP exclude.

   Varies — compare quotes