Yes, because sometimes things go wrong.
In most cases a comprehensive film and photography insurance policy won’t break the bank and can save you a lot of time, stress and money in the long run.
Most clients will expect you to have insurance and some will ask to see your policy so it’s important to make sure you’re covered.
As the appointed broker to the Association of Photographers (AOP), we understand your industry needs and can ensure you have adequate cover.
We advise all photographers have:
All-risks insurance is fully comprehensive cover which includes loss, accidental damage and theft.
Yes, our policies cover you worldwide, apart from areas of conflict and areas with UK and US trade sanctions.
If you are travelling to a high-risk location, speak to your insurer and always check the wording on your policy.
If you need it, in certain circumstances we can restrict a policy to ‘premises only’ cover for a reduced premium.
Yes, our policies cover you for worldwide travel apart from areas of conflict or areas with UK and US trade sanctions, whether that’s a work-related trip or a holiday.
Not necessarily.
Typically, when hiring equipment you will be responsible for insuring it and your insurance must include 13 weeks ‘loss of hire’ cover, which compensates the hire company for lost income should their equipment be lost or damaged whilst in your possession.
Some hire companies may offer their own insurance but this can be expensive and the majority don’t.
We advise you insure any borrowed equipment along with your own, particularly if borrowing it for an extended period.
It’s best practice to have an up-to-date list as it makes the claims process quicker and smoother, but it’s not mandatory.
‘New for old’ means that your broken, damaged or stolen equipment will be replaced with the latest, state-of-the-art model, even if your original was out-of-date or obsolete.
Our insurance provides ‘new for old’ cover as standard, providing the values you have submitted are the new replacement values. You should ensure the values insured are sufficient to cover replacement at today’s prices.
This relates to equipment you have hired.
In the event of a claim, a supplier would expect their loss of earnings to be reimbursed.
In addition, our policies will allow you to rent equipment whilst your own equipment is being repaired or replaced.
Public liability will protect you in cases of bodily injury or property damage associated with an incident involving your business.
