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Photographers professional indemnity insurance is essential cover in today’s ‘no win no fee’ compensation culture. Due to the advice and services you provide, professional indemnity insurance is an essential part of photographer insurance. If something was to go wrong or a client was portrayed in a damaging light, then there may be some damaging consequences, after all, photographers (especially wedding photographers) really do just have one shot to get it right.
Professional indemnity cover as part of a photographers insurance policy would provide cover against compensation claims and legal cost for any of your clients that have suffered financial loss due to negligence or any errors on your part.
If you provide poor advice to a client then it is highly likely you will be liable for the cost of putting things right, plus any damage or injury resulting from it. For example, your photographers professional indemnity insurance will cover you if you are commissioned to photograph the MD of a business and the picture portrayed him in an unprofessional light leading to a reduction in business.
Photographers professional indemnity insurance will also protect you if you were to lose photographs or allow photographs to fall into the wrong hands by mistake.
The option to include public liability insurance and employers’ liability insurance to your photographer insurance is available at an additional premium. This will protect you from clients who make a claim against you after sustaining injury in your studio or as a result of your direction (for example, a particularly athletic photo shoot). Public liability insurance will protect against any claims made by the public for injury or damage to their property caused by your business.
If you employ an assistant, you will be legally required to obtain employers liability cover as part of your photographers insurance policy. This will cover you if an employee was to suffer a work related illness or injure themselves whilst at work.
When you take out your photographer insurance with constructaquote you will receive:
For all of the photographer professional indemnity insurance policies you need, and no superfluous extras, fill out our quick quote enquiry form above. Alternatively, to speak to one of our insurance experts here at constructaquote.com, call our team directly today on 02920 881500 or request a call back.