The Professional Difference Part 1: Insurance

On a recent well deserved vacation in the mountains, I had the good fortune to spend some time with an old friend from college. As we caught up on family, life, and the typical “what ever happened to…” discussions, the conversation eventually got around to work. When I explained a little about what I do, my friend asked me a question I have been asked over and over throughout the years. “Why,” he asked, “should someone hire you as opposed to doing it herself or having a friend with a video camera come and do the work?”

For a long time, I found this question very offensive. I used to say things like, “Well, you can read and write, and I know you like to argue, so why did you hire an attorney to settle that lawsuit you were involved in?” Or, “Hey, you’re pretty handy with tools, why did you hire a contractor to put the second story on your house?” This, however, never got the point across for a simple reason—most people have no idea that there is a difference between pointing the camera at a subject and making a beautiful, and watchable film or video—and furthermore, it is not their fault for not knowing this difference—it is the fault of everyone in our industry who hasn’t done a good job of explaining the value that a media professional provides. It is my hope that posts here will help toward that end.

Since this a huge topic, which will cover a wide range of areas, I decided to start with one of the simplest areas that differentiates the pro from the amateur—insurance. Before you stop reading, let me assure you that the rest of this post will NOT read like a claim form or an advertisement for insurance companies.

The simple fact of the matter is that all business endeavors carry a certain amount of risk with them and the media business is no different. In addition to the common risks of injury (which requires worker’s compensation insurance) or general liability the media business carry risks that are associated with the nature of our business. These include but are not limited to: damage to the negatives or recording media, completion of a project, damage to props and locations, and improper use of someone’s image or recording.

The first thing a professional has over a pro in these areas is that they understand these risks and know how to mitigate them. After all, avoiding a disaster is far better than having an insurance policy to cover it. This being the real world, however, we all know that even the most prepared and risk-averse people sometimes have accidents, and when these accidents happen, insurance is the best way to recover from them.

Rather than going into all of the different types of insurance that our out there for media professionals (and boring you to tears) let me just make a simple observation and recommendation: Media professionals carry insurance, amateurs do not. If you are uncertain about whether the person you are about to hire is a professional or not, ask for proof of their insurance for liability and worker’s comp—at a minimum. If the person you are hiring doesn’t carry this type of insurance, keep in mind that you--or your organization--will likely be responsible if something happens during the production.

This is a good explanation of the different types of insurance Film and Video Professional carry.