We’ve witnessed the unstoppable move from stills to motion in the photography industry over the course of the last few years, with most photographic briefs now incorporating an aspect of moving image. But what are the insurance implications for photographers whose careers are evolving from stills towards more motion-based shoots? If this is you, here is what you need to be aware of in terms of insurance:
Equipment
A major consideration is the film equipment can often be significantly more expensive than stills equipment. If you are purchasing new film kit, make sure your equipment values are sufficient to cover the replacement of all your kit. Ideally, do send your insurance company an equipment list detailling all your equipment with corresponding replacement values.
Business description
You also need to ensure that the business description on your insurance policies include videography (or cinematography – whichever is most appropriate for you). This will ensure your insurers are aware of any changes to your business activities.
Risk assessments
Motion shoots tend to be more complicated productions and are generally higher risk than stills shoots. As a result, it is essential that you carry out risk assessments before your shoots take place, as well as noting down any mitigating actions you are taking to avoid injury or damage.
