Portable equipment pays quickly to fix or replace your cameras, laptop, phone, lights, sound recording equipment etc. The price above includes £3,999 of equipment for £3.03 a month, which can be customised to match your needs.
Public liability insurance covers third-party property damage and injury caused by you or your business. It’s useful if you go out and about to meetings or events, or if people come and see you.
Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander.
Equipment breakdown insurance covers electrical or mechanical malfunction of equipment including data recovery.
Your expertise is recording the images and creating memories that last forever. But if you make a mistake, your client’s special day could be remembered for all the wrong reasons.
If things do go wrong, photography insurance keeps you safe. So get clicking.
No. But if you’re a member of the British Institute of Professional Photography or Master Photographers Association, public liability insurance and professional indemnity insurance are compulsory.
If you have employees (including part-timers, unpaid helpers, temps and interns) the Health and Safety Executive wants you to have employers’ liability insurance too. That’s the legally required one.
In our experience, most photographers’ claims are for broken or lost equipment. Aside from the inconvenience, being without the stuff you need costs time and money. It needs looking after – and it’s unlikely you can afford to replace all of it in one go. Insuring it means you don’t have to.
You’ll need public liability insurance too, because other people and their property also need looking after. If you or your equipment accidently damage something or someone, you can be looking at a big bill to compensate them or fix what’s broken. Public liability insurance means your insurer picks up the tab instead.
If you value your reputation, it’s probably a good idea to have some professional indemnity insurance. This one covers the work you do, and the consequences of a client thinking you’ve not done it very well (even if you think you have).
If a client is unhappy with your work, professional indemnity insurance pays for your defence costs and any compensation you’re liable for if they decide to sue you. Even if you’ve not actually done anything wrong.
It’s cover for you, your business and your reputation.
Professional indemnity insurance covers you if your clients don’t like the photographs you’ve taken for them or if a technical problem with your equipment means you can’t do something you said you could. So, it could pay the cost of reshooting wedding photos if the happy couple aren’t.
It also covers you for things like infringement of intellectual property. Useful in this information-is-everywhere age.