A videographer has complex needs when it comes to covering risk. Most have a studio and expensive equipment. You also have to factor in working on site for an event like a wedding. This is your livelihood so you NEED the right coverage.
The most common type of policy for Videographers in Texas is a Business Owner Policy or (BOP). This will protect your studio in a similar way that a homeowners policy will protect your home. There are a few basic coverages that many small businesses need including a videographer.
- Business Income - Very simply helps protect you from the loss of income when you can't run your business. Damage to your studio would be an example.
- General Liability - This will protect you in the case of damage your equipment might cause in the course of providing your service or if a customer were to trip over your equipment and injure themselves.
- Commercial Property – This is important to protect your studio and equipment. It would also apply for rented equipment.
Videographer Equipment Liability Insurance in Texas:
As with any type of business there will be factors that vary from business owner to business owner like whether you use a vehicle or have employees. Some of the other types of coverage available in Lufkin, Texas that could be helpful depending on your needs:
- Workers Compensation
- Commercial Auto
- Personal Injury
- Errors & Omissions
At Morgan Insurance Agency, LTD, we will help you evaluate the overall picture and make the right decisions based on your risk. Give us a call today!