Common Claims for Photographers and Videographers: Examples, Prevention Tips, and Why Insurance Matters

Photography and videography can be unpredictable professions, full of creative challenges—and unfortunately, potential risks. In this post, we’ll cover some of the most common claims faced by professionals in the industry and provide actionable tips to help you prevent these incidents. We’ll also show how insurance can provide peace of mind when the unexpected happens.

1. Theft of Equipment

• Claim Example: A photographer’s car was broken into during a wedding shoot, and $15,000 worth of gear was stolen.
• Prevention Tips:
  • Avoid leaving equipment in vehicles, especially overnight.
  • Use reinforced locks, vehicle alarms, or motion-detection cameras.
  • Label and track gear with GPS tags.
  • Keep a detailed inventory of your equipment for easier claims processing.
• How Insurance Helps: Our policies cover stolen equipment, including theft from vehicles.

2. Accidental Damage

• Claim Example: A videographer accidentally drops a $4,000 drone during an outdoor shoot, rendering it inoperable.
• Prevention Tips:
  • Always use protective cases when transporting equipment.
  • Invest in safety straps, lens caps, and stabilizers.
  • Ensure proper training before using drones or complex equipment.
• How Insurance Helps: Policies covering accidental damage can save thousands in repair or replacement costs.

3. Slips and Falls by Photographers

• Claim Example: A photographer trips over lighting cables during a studio shoot, resulting in a fractured arm.
• Prevention Tips:
  • Secure loose cables and use cable covers.
  • Wear shoes with proper traction for on-location shoots.
  • Conduct a pre-shoot site inspection for potential hazards.
• How Insurance Helps: Workers’ compensation policies cover medical expenses and lost wages.

4. Distracted Driving and Vehicle Accidents

• Claim Example: A photographer rear-ends another vehicle while on the way to a shoot because they were checking directions on their phone.
• Prevention Tips:
  • Avoid using mobile devices while driving—use hands-free systems.
  • Plan routes in advance and use GPS with voice navigation.
  • Allow extra travel time to avoid rushing.
• How Insurance Helps: Commercial auto policies protect against liability and repair costs in accidents.

5. Property Damage or Injuries at Shoots

• Claim Example: A heavy lighting rig falls and damages a client’s property during a shoot.
• Prevention Tips:
  • Use professional-grade stands and secure equipment properly.
  • Avoid placing heavy equipment near delicate or expensive objects.
  • Communicate with clients about safety protocols.
• How Insurance Helps: General Liability insurance covers property damage and client injuries.

While creativity drives your work, protecting your livelihood from these common risks is essential. With preventative measures and the right insurance coverage, you can focus on your craft, knowing you’re prepared for the unexpected. Want to learn more about how our policies can safeguard your business? Get a quote today!