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Photographers’ insurance exists to help provide the means to protect your company or business when issues arise. For those operating in the industry, this can be as straightforward as accident and injury or a failure to deliver to the satisfaction of a client.
Possessing insurance will mean that you are covered for issues that could arise whereby members of the public or staff are affected by the actions of your business. This can include damage to property, injury to your clients and others, or failure in your professional duty of care. All of these can result in a claim from your client or other parties and result in crippling damages payments, which can severely affect your bottom line or potentially bankrupt a smaller business.
At constructaquote.com, we believe in assisting you to find a policy that not only provides coverage but is truly fit for purpose for your unique brand. Using our on-site search bar, you can quickly piece together a package that works for you and make sure you are fully covered if the worst truly comes to the worst – protecting your customers, employees, and the integrity of your business.
Any responsible professional running a small business or established company should carry insurance that allows them to operate safely and with confidence.
Any professional operation will have a legal duty of care to make sure that clients and customers are properly cared for. Should you have employees, the law will also require you to hold employer’s liability insurance that covers your team. When we refer to duty of care, this is a legal principle that states that you are required to take ‘reasonable care’ to ensure that your actions do not cause injury or damage to others that are in your professional care.
Our team offers comprehensive policies that start from £1m as standard and range up to £10m depending on the needs of your business. If you are still unsure, you can check with us or any professional bodies you hold membership with to confirm the specifics of the insurance you legally require, and what insurance would be best for your unique business.
While the specifics of your policy will change depending on your needs, cover should include:
Public Liability Insurance: This can include members of the public tripping or injuring themselves in your studio or by following your direction on-site. Incidents can easily be seen to violate your duty of care, resulting in you being sued for significant damages.
Professional Liability Insurance: Maintaining your reputation is important, but technical faults, adverse weather, or other issues can mean you don’t get the material your clients need. Settling on suitable professional insurance can keep you and your business covered when you need it most.
Employers' liability insurance: Any assistants you hire will need to be covered by employer's liability insurance. This can address injury, sickness, or incidents that may occur in their day-to-day work whilst carrying this out on your behalf - helping to make sure that you are covered when it’s needed most.
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The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required.
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