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What does Videographer Insurance cover?
|Coverage||Explanation||Importance for videographers|
|Work Injury Compensation Insurance (WICA Insurance)||Covers your employees from work-related injuries/sickness.|
E.g. filming assistant trips and falls while at a shoot, and breaks their arm.
|Legally required for all manual workers (e.g. videographers), or workers who earn <$2,600/month|
|Public Liability Insurance||Covers you from legal liability to third-parties, for bodily injury or property damage.|
E.g. accidentally hitting someone while at a shoot.
|Commercial Property Insurance||Covers your business property against damage, e.g. fire, explosions, certain types of water damage, etc.|
Covers electronic equipment, cameras, office fixtures & fittings, other contents, etc.
|Business Interruption Insurance||Compensates you for lost business income if you can’t operate your videography business due to covered reasons, e.g. fire destroying your office.||Very good to have|
|Cyber Insurance||Covers your business if you suffer a cyber breach. Pays for IT consultants to help recover lost data, recover systems, and more.||Very good to have|
What are some claims examples for videographers?
Claim Example 1: Filming studio and camera equipment destroyed by fire
While charging one of your batteries, an electrical outlet malfunctions. Sparks fly, and a fire starts. The fire quickly destroys all your video equipment. Your expensive cameras, sound booms, computers, memory cards, harnesses, lightning equipment and other filming equipment are all annihilated. Your studio premises is completely destroyed. If you have Commercial Property Insurance, the insurer would pay to repair your studio, and to replace your damaged equipment. Your policy can cover the cost of your filming equipment, your studio renovations, and more.
Claim Example 2: Employee gets injured while on shoot
Videography staff are at relatively high risk of suffering work-related injuries. Long hours spent carrying heavy equipment, running to different shooting locations. A fall, sprain, cuts, or other injuries are inevitable.
Let’s take an example of a filming assistant performing an outdoor shoot. The filming assistant accidentally trips and falls. He suffers a big laceration on his arm, and breaks his elbow. He needs to undergo surgery to stabilise his arm, and sew up his laceration. His medical bill totals more than $12,000. He’s also given several weeks of medical leave. Since this is a work-related injury, MOM legally requires you to compensate the injured worker for their medical bill and lost salary. With WICA Insurance, the insurer would pay for these costs.
Claim Example 3: You injure a member of the public while filmingInjuring someone else is also common in filming. For instance, let’s say you accidentally run into someone else while filming. The person falls down, and suffers a fracture on their head. The injured person goes on to sue you for personal injury, claiming your negligence caused the incident to occur. They demand $25,000 in compensation from you. If you have Public Liability Insurance, the insurer would cover your lawyer’s fees , and also pay for damages or settlements if you are found liable to compensate the injured person.
How much coverage do I need for my videography business?
Work Injury Compensation Insurance (WICA Insurance): Videography companies should insure all their employees. By law, MOM requires business owners to have WICA Insurance for their manual employees. Examples of manual workers include videographers, sound assistants, etc. Essentially, any one who does physical labour must be covered. MOM also requires you to insure any worker who earns $2,600/month or less.
It’s best to go beyond just the legal minimums, and insure all your employees. By law, you have to compensate your workers for any work-related injury/illness they suffer. You could be left with a hefty bill if one of your employees gets injured.
Public Liability Insurance: Videography companies should have at least $500,000 to $1 million in coverage.
Commercial Property Insurance: Videography companies should have at least $100,000 in coverage, if you have a commercial space.
Business Interruption Insurance: Videography companies should have at least $50,000 in coverage.
Foreign Worker Medical Insurance: By law, you’ll need to carry Foreign Worker Medical Insurance for each foreigner you employ. This applies to all S-Pass and Work Permit holders. If your foreign worker is also a manual employee (e.g. a filming assistant), then you must carry both Work Injury Compensation Insurance and Foreign Worker Medical Insurance.
How much does Videographer Insurance cost?
Coverage amount (example)
$10 million common law annual limit
$45,000 medical expenses cover per worker
From $19/month, for a comprehensive Videographer Insurance Package deal
Why use Provide for Videographer Insurance?
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