Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 18, 2026.
GENERAL LIABILITY
Motion Picture/Video $27/month for general liability
WHY IT MATTERS
Why Motion Picture/Video need business insurance
A video production can involve people, equipment, locations, vehicles and creative deliverables. Business insurance can address different risks across each part of the work, subject to the coverage selected and its terms.
SCENARIO 1
A visitor is injured on set
A client trips over a secured cable and is injured during a shoot. General liability insurance may help with covered medical expenses, legal costs and damages.
SCENARIO 2
A crew member is hurt
An employee is injured while moving lighting equipment. Workers' compensation insurance may help with covered medical care and lost wages, subject to policy terms.
SCENARIO 3
A client alleges a costly error
A client claims an editing mistake made the final video unusable. Professional liability insurance may help respond to a covered allegation and related defense costs.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Production activities
Productions involving stunts, special effects, live events or other complex work can lead to a higher quote than lower-risk studio work.
Crew size and payroll
A larger crew or higher payroll can increase workers' compensation exposure and affect the quote.
Revenue and project volume
More revenue or a larger number of projects can increase client and third-party exposure, which may raise the quote.
Vehicles and driving
More business vehicles, drivers or time on the road can increase the cost of commercial auto coverage.
Equipment and property
More valuable cameras, lighting, editing systems and other property can increase the amount of coverage needed and affect the quote.
Claims history
Frequent or severe prior claims can result in a higher quote, while complete claim details help carriers evaluate the risk.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For motion picture and video businesses operating nationwide, rates and requirements vary by state and by carrier.
Where productions take place
Work at studios, client sites, rented venues or public locations can present different exposures and affect the quote.
Multi-state operations
Productions or employees working across multiple states may require additional review and can affect coverage options.
Carrier requirements
Carrier guidelines differ, so the same production details may be evaluated differently depending on the available market.
402
Quotes analyzed
45
States represented
5
Coverage lines
BEST RATE
How to get the best rate
Describe every production activity
List filming locations, project types, stunts, special effects and live-event work so the quote reflects what you actually do.
Keep crew details current
Separate employees from independent contractors and provide accurate roles, payroll and work responsibilities.
Document safety practices
Prepare written procedures for equipment setup, vehicle use, location safety and incident reporting.
Review contracts before quoting
Gather client, venue and equipment-rental agreements so requested coverage types and limits can be reviewed accurately.
FAQ
Common questions
What business insurance does a motion picture or video company need?
The right mix depends on your productions, crew, contracts, vehicles and equipment. Options may include general liability insurance, workers' compensation insurance, professional liability insurance, a business owners policy and commercial auto insurance.
Does general liability insurance cover production mistakes?
General liability insurance generally addresses covered third-party injury or property damage claims, not allegations about professional errors. Professional liability insurance may respond when a client alleges that your work, advice or services caused a financial loss, subject to policy terms.
Are freelance crew members automatically covered?
Not necessarily; coverage depends on worker classification, policy terms and the facts of the working relationship. Report employees and independent contractors accurately and review contract requirements before work begins.
Do I need commercial auto insurance for production vehicles?
You may need commercial auto insurance when vehicles are owned or used for business activities. The appropriate coverage depends on vehicle ownership, drivers, use and any hired or non-owned vehicles involved in production work.
What information is needed to request a quote?
Be ready to describe your services, revenue, payroll, crew roles, production locations, vehicles, equipment, prior claims and contract requirements. Clear, current details help the licensed insurance partner evaluate coverage options for your business.