Why do videographers and video producers need income protection?
Freelance videographers have no sick pay and no safety net beyond their savings. Income protection provides monthly payments if illness or injury stops you from working — covering your rent, mortgage, and living costs while you recover.
How does income protection work for videographers and video producers?
Income protection pays a monthly benefit — typically 50–70% of your gross income — if you're unable to work due to illness or injury. Payments continue until you return to work, reach the policy end date, or die.
How much does income protection cost for videographers and video producers?
Videography is usually Occupation Class 1 for income protection — offering competitive premiums. A healthy 35-year-old videographer looking for £1,500/month benefit typically pays £25–£55/month depending on the deferred period and occupation class.
Own occupation vs any occupation
Always aim for "own occupation" cover — this pays out if you cannot perform your specific job. "Any occupation" cover is much harder to claim on and is generally not recommended.
Frequently Asked Questions
Occupation class is a key pricing factor for income protection. Videography is usually Occupation Class 1 for income protection — offering competitive premiums.
Long-term policies pay until you return to work or retire. Short-term policies (1–2 years per claim) are cheaper but provide less protection.
Yes — income protection is especially important if you're self-employed, as there is no employer sick pay to fall back on.