Claims

These wedding photography horror stories aren't the norm, but even the best photographers can find themselves in a sticky situation.

You can't compare professional indemnity insurance on price alone. You also need to look at cover, claims, and what kind of service you get.

Retroactive cover bolts on to your professional indemnity and picks up claims arising from work you did before the policy started. Clever stuff. Here's how.

An insurance excess is the amount you pay towards a claim. Usually, the higher your excess, the lower your premium. But not always...