Photographers insurance is essential cover in today’s compensation ‘no win no fee’ culture. Thanks 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.
Photographer Insurance & Professional Indemnity Cover
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 provided 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 insurance which includes professional indemnity cover will also protect you if you were to lose photographs or allow photographs to fall into the wrong hands by mistake. In events such as these you will be covered up to £25,000 in the event of a claim.*
Photographer Insurance & Public Liability Cover
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 photoshoot). 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 legally be 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.
Comprehensive Photographers Insurance from ConstructaQuote
When you take out your photographer insurance with Constructaquote you will receive:
- Flexible limits of professional indemnity cover - Up to £5 million of cover available.
- Retroactive cover - Available for works completed within the last two years.
- Loss or damage of documents – covered up to £25,000 in the event of clients documents being lost or damaged.*
- Liability cover available – public liability and employers liability optional
- Optional Business Support Package which includes benefits such as legal support
- Legal costs covered
- Flexible levels of cover available
For all of the photographer insurance policies you need, and no superfluous extras, fill out our quick quote enquiry form above. Alternatively, to speak to one of our photographers insurance experts here at ConstructaQuote, call our team directly today or request a callback now.
*Excess will increase to £1,000 if the claim amount was for £25,000 or over.