Video equipment insurance: how to protect your equipment

Video equipment insurance - how to protect your equipment
In Switzerland, video equipment represents a major investment for audiovisual production professionals, filmmakers and enthusiastic amateurs. The right insurance can protect this valuable equipment against everyday hazards: theft, accidental damage and natural disasters. Find out what to look out for when choosing your video equipment insurance.

Why take out video equipment insurance?

In the production field audiovisualVideo equipment, such as cameras, drones, lenses and accessories, often represents a substantial investment, sometimes amounting to several thousand Swiss francs. In Switzerland, such equipment is exposed to a variety of risks, whether filming on location, in the studio or on trips abroad.

A theft, an accidental fall or even unexpected bad weather can lead to significant financial losses and jeopardize a project. To mitigate this risk, specialized video equipment insurance guarantees coverage in the event of a claim.

What risks need to be insured?

In Switzerland, equipment is exposed to multiple risks, such as :
  • Flights : Public places and travel are high-risk areas for expensive equipment.
  • Accidental damage : A fall or impact can occur at any time, damaging the equipment.
  • Natural disasters : Shooting on location in unpredictable weather conditions (rain, snow, wind) increases the risks.
  • Transportation : Travel, whether local or international, can lead to loss or damage during handling.

What does video equipment insurance cover?

Insurers often offer the following coverage as part of video equipment insurance. It's a good idea to define the essential options in advance, according to your needs.

Coverage against theft

Theft is one of the risks to which video equipment is exposed, whether at home, in a vehicle or on location. Specialized insurance covers these situations, enabling you to quickly replace your equipment without major financial impact.

For those traveling abroad, some policies also include protection against theft in countries outside Switzerland.

Accidental damage

Accidental damage is a constant threat to video equipment, especially when filming on location or undergoing frequent handling. A dropped camera, an unexpected splash or an impact can damage expensive equipment.

Accidental damage insurance covers repairs or the replacementto minimize the financial impact and delays to your projects.

Natural disasters

Some Swiss cantons are particularly prone to natural risks such as fire, flood, storm or landslide. If your equipment is damaged by such disasters, specialized insurance covers losses, whether in the studio or on location.

Loss or damage in transit

When on the move, transported equipment is often subject to rough handling or loss by transport companies. Insurance that includes coverage for loss or damage in transit guarantees that your work tools are protected on all your journeys, even to the other side of the world.

Civil liability

The use of video equipment, especially drones, can cause unintentional damage to third parties or their property. For example, a poorly controlled drone can damage a roof or injure a person.

By taking out third-party liability coverage, you are protected against the following risks financial claims resulting from these incidents.

Term or permanent insurance?

A term insurance of your video equipment is ideal for one-off projects, such as a one-week shoot or a specific event. It's a less costly option, suitable for amateurs or occasional videographers.

A permanent insuranceis recommended for professionals who use their equipment on a regular basis. It covers equipment all year round, whatever the project or location.

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Fondeca is a blog dedicated to providing information on insurance and finance for individuals and companies in Switzerland.

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