Photographic insurance for your kit, business, third party and indemnity
No matter how small your business is to start with, if you have a kit of some value, you are self employed and you are working with the public (which most photographers do) I would strongly urge you to take out some form of insurance.
You will want to cover yourself for loss or damage of your equipment at home, locally, nationally and internationally if you plan to travel (most insurance companies will give you a week or two’s insurance abroad within your policy).
You will also want to be covered for indemnity and third party damage/liability.
- Trip over your tripod or camera bag at a wedding
- Be hit by a swinging camera as you rush down the aisle
- Be injured whilst in your studio whether on the high street or at home
- Knock someone over rushing to get to the church
- Hurt someone with your heavy equipment
- Have an assistant injure themselves whilst helping you
- Have someone injure themselves on your premises
- Lose important documents or files/images
- Mess a job up completely (let’s hope that never happens)!
So you need to be covered for legal expenses, bodily injury and property protection should you damage someone else’s property.
Also get indemnity insurance which covers you for:
- Libel and slander
- Liability for loss of documents
- Liability for the fraud or dishonesty of employees (including assistants and second shooters)
- Unintentional breach of confidentiality
- Investigation, defense or settlement costs
Plus personal accident insurance covering:
- Loss of limb
- Loss of sight
- Permanent total disablement from any occupation
- Temporary total disablement from any occupation
- Accidents, medical treatment etc.
You will also need “all risk” which covers your equipment, property/s, hired equipment and theft as well as employers, public and property liability amongst other things.
However, don’t panic at all this, you don’t need to do much. If you get in touch with a reputable photographic insurance agency and tell them exactly what the nature of your business is, they will sort out all the details for you and give you a quote based on your business.
In the UK, I use Photoshield from Risk Alliance and find their quotes very competitive.
You could also try these insurance companies (in the UK):
Photographic Insurance For the USA
- Professional Photographers of America – They recommend a few insurers and policies
- Package Choice Insurance
- TCP Insurance
If you are unsure of who to use, do some research and get advice online from forums and/or professional photographic bodies or associations. They normally have details of the best companies to use.
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