You’ve worked hard to brand your YouTube channel and increase subscribers, but the fact is that you could lose it all, during one YouTube video shoot.
How?
A single accident during the filming of your YouTube video could open you up to litigation and leave you reeling from legal fees and possible fines and penalties.
Or…
What if you accidentally capture something on film that is considered an invasion of privacy, or copyright infringement?
Ouch!
It’s probable that everyone should consider the liability involved, but if you monetize your YouTube channel, then you need to consider purchasing the same type of insurance that film producers purchase to protect their small productions.
General Liability Insurance
General Liability covers any damages or injuries to third parties that might accidentally happen during the filming of your YouTube video. For instance, if you are walking along filming yourself talking and happen to bump into someone who falls and gets hurt, then their medical bills and any legal liability would be covered by insurance.
Along the same lines, if you inadvertently damage someone’s property while making the video, a general liability policy should cover the cost of repair or replacement.
If you want a real-world example of why you need General Liability Insurance, click HERE.
Workers’ Compensation
California law requires this, so there is no getting around it. If you pay someone to film or act in one of your videos (or do anything else for that matter), then you must purchase Workers’ Compensation.
And you have to cover ANYONE working for you, even if they are contract labor (or a volunteer).
The penalty for not having this type of coverage is steep, and you could be open to a lawsuit by the injured party.
And if you think you can play the odds, read this real-world story where Workers’ Compensation coverage came into play.
Errors & Omissions Insurance
Because of what you do, YouTubers really need E&O Insurance. What if you innocently record yourself wearing a trademarked T-shirt or unknowingly violate someone’s privacy? E&O protects you against common, accidental violations.
- Copyright Violations
- Invasion of Privacy
- Infringement of Trademark, Slogan, or Title
- Plagiarism
- Defamation of Products
- Libel or Slander
Each E&O policy is industry specific. In other words, a film producer will need a different type policy than a YouTuber. Contact your agent to find out what type of coverage you need.
Where to Purchase Insurance for Your YouTube Video
For more information on the insurance you need when filming a YouTube video in California, contact Equipment & Production Insurance. The team at Equipment and Production Insurance are film, photographic & entertainment industry insurance specialists. Whether you need short-term, annual, post, documentary, commercial, equipment, rental house, or E&O, you can rely on their quick and knowledgeable assistance to meet all of your production insurance needs.
