Portable equipment pays quickly to fix or replace your cameras, laptop, phone, lights, sound recording equipment etc. The price above includes £2,999 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.
Make a mistake on your client’s special day and it won’t just be the bride who’s blushing.
If things go wrong, wedding photographers’ insurance helps smooth things over. With professional indemnity, public liability and equipment cover included, it’s a great match.
Ask yourself if you need it and there’s only one answer: I do.
No. But the Society of Wedding and Portrait Photographers strongly recommend you have it. It’s likely your clients expect you to have it, too.
The Health and Safety Executive says you have to have employers’ liability insurance if you have employees. Just be aware their definition of employees covers helpers, unpaid volunteers, temps, and those on work experience as well as ‘normal’, permanent, full-time and part-time staff.
The vast majority of wedding photographers’ claims are for damaged or lost equipment. That doesn’t sound too serious, but a broken lens doesn’t just cost money – it could cost business too. Insuring your bits and pieces means you’re not faced with a big bill, or an disappointed client.
Assuming you don’t have eyes in the back of your head, public liability insurance is a good idea. If you or something of yours damages a person or their property, you could be presented with the bill. Public liability insurance means your insurer pays it instead.
Professional indemnity insurance (PI) covers your work. Or more accurately, covers clients (and others) suing you because they’re not happy with your work. Allegations take time, money and legal know-how to fight. Having PI insurance means you don’t need any of these things.
Of course you’re conscientious and professional. But sometimes even the most professional professional makes a mistake. Or has a client accusing them of making a mistake. If you’re on the receiving end of a claim, your insurance pays to defend you and, if you’re liable, picks up the tab for compensation too.
It covers you, your business and your reputation.
Weddings cost a small fortune. If your clients aren’t happy with your photos, who’s going to pay for a reshoot? What if your studio equipment fails and you can’t meet a print deadline? If the happy couple turn out not to be, and it’s your fault, your policy should cover it.
And it’s not just your clients who can cause problems. In the digital age, accusations of intellectual property infringement from third parties are common. Your insurance helps prove your great idea was your great idea.