Photography is a diverse trade; every job is unique and exclusive to each individual client. Such diversity requires tailored photographers insurance to ensure you have comprehensive protection for your livelihood, and allow you to focus on what matters – your business.
Many photographers find their niche in one area, be it wedding photography, studio photography, or commercial photography. Whatever your speciality, ensuring you have the right photographers insurance to protect you against unforeseen events is essential.
There are many eventualities that could lead to a claim against you. For example, if a member of the public fell over your equipment, public liability cover can protect you against compensation awards if they pursued a claim against you for injury. Public liability insurance can also cover any associated medical and legal costs.
If you have staff, then you have a legal obligation to take out employers' liability insurance to safeguard against similar circumstances. Typically you will be offered up to £10 million cover.
Your photography equipment is pivotal to your businesses continuity. If your kit was damaged or stolen, your livelihood could suffer and leave you unable to work. Specialist lenses can be costly to replace, and as careful as you may be, accidents do happen. And that's where we come in. We can source suitable insurance offering varying levels of cover tailored to your business needs, to ensure you have protection for your livelihood.
If you do suffer damage to your premises or equipment, you may have difficulty trading for a while without them. Business interruption insurance, as part of your photography business insurance, can safeguard your income and expenses should you suffer damage at your premises meaning you are unable to trade.
Commercial legal expenses can be added to your photographer insurance to safeguard against employment disputes and compensation awards, tax and VAT appeals, as well as provide an allowance for employees or business partners who are called up for jury duty.
So whether you are studio-based or freelance, looking for wedding photographer insurance or photographic equipment insurance, then look no further, you have come to the right place.
In just a few minutes you can compare quotes from some of the UK’s leading insurers and get the right photographer insurance to suit your business activities. However, if you need advice call us and our advisors are on hand to discuss the range of options available to you, and arrange a comprehensive policy for you.