Insuring Photographers

 

Insurance for businesses serving photographers

• Easily and quickly adjust your cover to meet your photography business.
• Insurance for public liability, professional indemnity, and other things
• The flexibility to change your cover as your photography business grows
• Having access to a 24-hour legal tax helpline and having your legal expenses covered

Whether it's for editorial/publications work, product photographs, weddings, or family portraits, you take care to capture the ideal moment. Additionally, each type of photography business needs a particular combination of knowledge and specialized equipment. The fact that you are doing what you love should be protected.

You need insurance that is customized to your unique needs as a result.

Why do I need insurance for my photography business?

Photography is a creative endeavor. You'll frequently work in unusual or crowded environments with expensive equipment. If someone trips over a wire or if you unintentionally damage someone else's property while on a shoot, your organization could be held liable.

Under our public liability insurance, we would cover the costs of a claim made against your business, sparing you from a payout that you might not be able to afford.

Are you able to cover cameras and other photographic equipment?

Yes, you can get insurance for your state-of-the-art cameras, professional lighting, and laptop. You can choose from various levels of coverage up to $10,000 when insuring one or more items. The claims amount has a 10% overage (minimum £100, maximum £500).

Depending on the insurance plan you select, your equipment might be safe both at home and on location, but it's vital to remember that theft from an unlocked car or trailer won't be.

What is not covered by photography insurance?

In practically all circumstances involving your job, you will be safeguarded. There are a few exceptions, though:

• Both aerial photography and drones
• Underwater photography
• Risky locations
• Claims brought about by missing or poor quality pictures

With professional indemnity insurance, you can expand coverage to include copyright infringement, data protection violations, character slander, and document loss.

Do photographers working events need insurance?

Yes. If someone trips over your equipment or if you cause damage to the venue's property, you could face a pricey lawsuit for damages or legal costs. In case of any accidents, you could also want to insure your own equipment.

Can I acquire simply public liability insurance?

Yes. You can choose if you only wish to buy public liability insurance after receiving a quote. AXA offers public liability insurance for as little as £57* a year.

How much general liability insurance must photographers have?

Your company will decide this. If you select our public liability plan, however, you will be covered for compensation claims totaling up to £5 million, legal expenses totaling up to £1 million, and court attendance costs up to £250 per day

How much does a photographer's insurance cost?

The types and levels of insurance you choose, together with the nature, size, and location of your business, will all have an impact on the price of your insurance.

Because of our adjustable, custom-fit cover, you only pay for the components you need and not the parts you don't.

For my photography business, which insurance would be best?

For your business insurance to protect you, you can pick a policy from the list below. Make your own unique insurance package depending on your needs and only pay for what you actually require:

Much gratitude my readers, may you have a nice time 👍👍.