Do videographers need commercial auto insurance?
Videographers often drive their vehicles for work-related purposes, as they go to/from filming locations. Vehicles might not be insured by a personal auto policy when they’re driven for work, but videographers have a few potential options for obtaining commercial coverage.
First, some personal auto insurance policies do have optional coverage for basic work-related driving. This option isn’t standard and isn’t included in all personal policies, but it frequently meets the needs of videographers if the option is available.
Second, hired and non-owned auto insurance normally provides liability coverage for vehicles that a business itself doesn’t own. This may provide coverage for employee vehicles as they’re driven to/from filming locations, and it also might cover vehicles that are rented for specific shoots.
Third, traditional commercial auto insurance is generally available for business-owned vehicles that are commercially registered.
An insurance agent who knows video production policies well can help videographers find any auto insurance they need.
Do videographers need workers’ compensation coverage?
Massachusetts state law requires most businesses that have employees to carry workers’ compensation, which broadly protects against many workplace injuries. Videographers who have employees are likely required by law to carry the coverage. Solo videographers who own their business might want to purchase the coverage.