Protect your work, your gear and your reputation in a flash with professional photography insurance.
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Photography equipment insurance pays to fix or replace your cameras, laptop, phone, lights, sound recording equipment etc. £5,000 cover from £5.44 a month.
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. £1,000,000 cover from £4.20 a month.
Professional indemnity insurance defends you against claims of negligence, breach of confidentiality, dishonesty, libel and slander. £100,000 cover from £7.08 a month.
Equipment breakdown insurance covers electrical or mechanical malfunction of equipment including data recovery. £5,000 cover from £1.63 a month.
Others rely on your expert eye and top technical skills to capture memories that’ll last forever. But if you slip up somehow, your client’s special day could be remembered for all the wrong reasons.
If things do go wrong, professional photographers’ insurance and photography equipment insurance are there to help save the day.
It’s a good reason to get clicking.
If you want to protect your business, photographers’ insurance is a must.
Members of the British Institute of Professional Photography (BIPP) or Master Photographers Association (MPA) definitely need it. Both specify public liability insurance and professional indemnity as a condition of membership.
Plus you need employers’ liability insurance if you have employees - even if they’re part-timers, unpaid helpers, temps or interns. It’s the law and without it, the Health and Safety Executive can fine you £2,500 a day.
Because clients can be difficult, gear can go missing, people can get hurt, and Murphy’s Law is bound to kick in sooner or later.
Say your photographs fall short of a client’s expectations. Worse still, you lose the lot when a memory card corrupts.
What if all your gear is stolen or you drop your camera? And you’ve got a big job scheduled for the next day?
How about if your tripod topples over onto someone, causing them to fall down some steps and be badly hurt?
When things go wrong, or your kit is out of action, photography insurance pays for expert help and covers costs. It’s a shot in the arm to keep you working.
Most photographers’ insurance claims we deal with are for damaged, lost or stolen gear.
Being without the stuff you need costs time and money, plus it’s unlikely you can afford to replace all of it in one go. Getting photography equipment insurance means you don’t have to. It even pays to hire in kit temporarily while yours is being repaired or replaced.
Professional photographers’ public liability insurance should also be on your list, because other people and their property need looking after.
If you or your equipment accidentally 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 and decides to sue you, photographers’ professional indemnity insurance pays your defence costs and any compensation you’re liable for. Even if you’ve not actually done anything wrong.
For example, you’re covered if your clients don’t like the photographs you’ve taken, or if a technical problem with your equipment means you can’t do something you said you could. So, it could pay for reshooting wedding photos if the happy couple aren’t.
Professional indemnity for photographers also covers you for things like infringement of intellectual property. Useful in this information-is-everywhere age.
You can protect your business with equipment insurance, public liability, professional indemnity and equipment breakdown from around £18 a month.
But you should make sure you have enough of each type of cover. If you have a lot of gear for instance, you need to be certain you have a sufficient amount of photography equipment insurance.
To choose the right level, add up everything you use to run your business, from laptops and cameras to lenses and tripods. Make sure you include it all, or you’ll be underinsured, which can leave you out of pocket.
Likewise, the level of professional indemnity insurance that’s best for your business will depend on what kind of photography you do. Try and think about the cost of the biggest mistake you could make. There’s some help with getting it right here.
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